First State Bank in city_name, state_name - Detailed Financial Reports, Location

First State Bank in Tahlequah, Oklahoma (OK)
Show street view No street view available for this location

First State Bank routing number info

First State Bank - Overview

General
FDIC Certificate #: 22448
Status: Active
Federal Reserve ID: 522454
Bank Holding Company (Regulatory Top Holder): Maxlou Bancshares, Inc. (RSSDID: 2550602, Location: Tahlequah, OK)
Date Established: April 13, 1977
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 15646
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: April 13, 1977
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 1111 South Muskogee Avenue, Tahlequah, OK 74464
County: Cherokee
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Tulsa
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Core Based Statistical Area (CBSA): Tahlequah, OK (#45140)
CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $78.0 mil
Equity capital: $7.5 mil
Deposits held in domestic offices: $67.3 mil
Return on assets (ROA): -0.26% (-$0.2 mil)
Quarterly return on assets: -0.46% (-$0.4 mil)
Return on Equity (ROE): -2.80% (-$0.2 mil)
Quarterly return on equity: -4.89% (-$0.4 mil)
Net income: -$0.2 mil
Quarterly Net income: -$0.1 mil
Pretax return on assets: -0.26% (-$202.8 mil)
Quarterly Pretax return on assets: -0.46% (-$358.8 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

Dollar figures in thousands
23Total employees (full-time equivalent)
$78,000Total assets
$1,141Cash and due from depository institutions
$401Interest-bearing balances
$5,069Securities
$14,511Federal funds sold & reverse repurchase agreements
$53,972Net loans & leases
$1,123Loan loss allowance
$0Trading account assets
$1,075Bank premises and fixed assets
$1,311Other real estate owned
$0Goodwill and other intangibles
$78,000Life insurance assets
$921All other assets
$70,450Total liabilities and capital
$67,321Total liabilities
$58,663Total deposits
$67,321Interest-bearing deposits
$97Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$3,095Trading liabilities
$0Other borrowed funds
$34Subordinated debt
$7,550All other liabilities
$7,550Total equity capital
$7,550Total bank equity capital
$0Perpetual preferred stock
$433Common stock
$1,207Surplus
$5,910Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,091Income earned, not collected on loans
$0Earning assets
$199Long-term assets (5+ years)
$73,953Average Assets, year-to-date
$19,870Average Assets, quarterly
$84,691Volatile liabilities
$80,192Insider loans
$59,381FHLB advances
$80,123Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$7,900Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$245Restructured Loans and leases
$1,298Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$3,503Total interest income
$810Total interest expense
$2,693Net interest income
$310Provision for loan and lease losses
-$28Total noninterest income
$0Fiduciary activities
$190Service charges on deposit accounts
$0Trading account gains & fees
-$218Additional noninterest income
$2,525Total noninterest expense
$1,084Salaries and employee benefits
$252Premises and equipment expense
$1,189Additional noninterest expense
-$170Pre-tax net operating income
-$51Securities gains (losses)
$0Applicable income taxes
-$221Income before extraordinary items
$0Extraordinary gains - net
-$221Net income attributable to bank
$0Net charge-offs
-$221Cash dividends
$414Sale, conversion, retirement of capital stock, net
$150Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.40%Yield on earning assets
1.02%Cost of funding earning assets
3.38%Net interest margin
-0.04%Noninterest income to earning assets
3.17%Noninterest expense to earning assets
-0.20%Net operating income to assets
-0.26%Return on assets (ROA)
-0.26%Pretax return on assets
-2.80%Return on equity (ROE)
-4.69%Retained earnings to average equity (YTD only)
0.66%Net charge-offs to loans
74.88%Credit loss provision to net charge-offs
0.34%Efficiency ratio
94,747Assets per employee
3.39%Cash dividends to net income (YTD only)
Condition Ratios (%)
-67.87%Loss allowance to loans
2.04%Loss allowance to noncurrent loans
53.71%Noncurrent assets plus other real estate owned to assets
4.36%Noncurrent loans to loans
3.80%Net loans and leases to deposits
80.17%Net loans and leases to core deposits
94.87%Equity capital to assets
9.68%Core capital (leverage) ratio
9.86%Tier 1 risk-based capital ratio
13.30%Total risk-based capital ratio
Memoranda
$15Average assets
$84,691Average earning assets
$7,904Average equity
$79,667Average loans

List of branches

2 Oklahoma Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	15646	First State Bank	1111 South Muskogee Avenue, Tahlequah, OK 74464	April 13, 1977	Full Service Brick and Mortar
1	254615	Detached Drive-In Branch	1307 South Muskogee, Tahlequah, OK 74464	January 02, 1994	Limited Service Facility

First State Bank in Tahlequah, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

First State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First State Bank in Tahlequah, Oklahoma (OK)Overview, Financial Summary, Detailed Financial Reports, Branches

First State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First State Bank in Tahlequah, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches