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

This bank is inactive as of October 06, 1997

First State Bank in Woodward, Oklahoma (OK)
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First State Bank - Overview

General
FDIC Certificate #: 24171
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Central National Bank & Trust Co., of Enid (#4091)
Federal Reserve ID: 903259
Date Established: December 17, 1982
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
FDIC's unique #: 16830
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: December 17, 1982
Last Structure Change Effective Date: October 06, 1997
Last Structure Change Process Date: November 17, 1997
Last Data Update: November 17, 1997
Data Source Date: April 05, 2012
Location
Address: 2730 Williams Street, Woodward, OK 73801
County: Woodward
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Oklahoma City
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Core Based Statistical Area (CBSA): Woodward, OK (#49260)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $31.8 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

Dollar figures in thousands
0Total employees (full-time equivalent)
$20Total assets
$29,245Cash and due from depository institutions
$1,049Interest-bearing balances
$100Securities
$6,045Federal funds sold & reverse repurchase agreements
$7,067Net loans & leases
$13,267Loan loss allowance
$104Trading account assets
$0Bank premises and fixed assets
$1,212Other real estate owned
$0Goodwill and other intangibles
$565Life insurance assets
$40All other assets
$0Total liabilities and capital
$29,245Total liabilities
$27,036Total deposits
$26,878Interest-bearing deposits
$24,133Deposits held in domestic offices
26878.00%% insured (estimated)
$89Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$158Total equity capital
$158Total bank equity capital
$2,209Perpetual preferred stock
$0Common stock
$500Surplus
$1,500Undivided profits
Memoranda
$209Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$387Income earned, not collected on loans
$152Earning assets
$26,479Long-term assets (5+ years)
$2,606Average Assets, year-to-date
$23,664Average Assets, quarterly
$28,136Volatile liabilities
$2,952Insider loans
$944FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$1,229Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$2,172Total risk weighted assets
$16,023Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1996)

Dollar figures in thousands
$0Total interest income
$1,974Total interest expense
$934Net interest income
$1,040Provision for loan and lease losses
$250Total noninterest income
$418Fiduciary activities
$0Service charges on deposit accounts
$241Trading account gains & fees
$0Additional noninterest income
$177Total noninterest expense
$1,074Salaries and employee benefits
$615Premises and equipment expense
$153Additional noninterest expense
$306Pre-tax net operating income
$134Securities gains (losses)
$16Applicable income taxes
$80Income before extraordinary items
$70Extraordinary gains - net
$0Net income attributable to bank
$70Net charge-offs
$225Cash dividends
$250Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1996)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
9.32%Cost of funding earning assets
4.41%Net interest margin
4.91%Noninterest income to earning assets
1.97%Noninterest expense to earning assets
5.07%Net operating income to assets
0.25%Return on assets (ROA)
0.30%Pretax return on assets
0.63%Return on equity (ROE)
3.05%Retained earnings to average equity (YTD only)
-7.83%Net charge-offs to loans
1.92%Credit loss provision to net charge-offs
111.11%Efficiency ratio
70,919Assets per employee
1.46%Cash dividends to net income (YTD only)
Condition Ratios (%)
357.14%Loss allowance to loans
0.78%Loss allowance to noncurrent loans
26.87%Noncurrent assets plus other real estate owned to assets
1.32%Noncurrent loans to loans
2.89%Net loans and leases to deposits
49.36%Net loans and leases to core deposits
55.45%Equity capital to assets
7.55%Core capital (leverage) ratio
7.71%Tier 1 risk-based capital ratio
13.56%Total risk-based capital ratio
Memoranda
$14Average assets
$23,664Average earning assets
$2,297Average equity
$21,189Average loans

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