FDIC Certificate #: 6007 Status: Active Federal Reserve ID: 702050 Bank Holding Company (Regulatory Top Holder): First Picher Bancshares, Inc. (RSSDID: 1061884, Location: Commerce, OK) Date Established: June 01, 1918 WWW:http://www.fsbcommerce.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 9799 FDIC's unique #: 4069 Numeric code: 13 Regulator: FED 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: No Asset Concentration Hierarchy: All Other Specialization < 1 Billion Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: July 01, 2009 Last Structure Change Process Date: March 04, 2010 Last Data Update: March 04, 2010 Data Source Date: April 05, 2012
Location
Address: 101 N Mickey Mantle Blvd, Commerce, OK 74339 County: Ottawa Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Kansas City FDIC Field Office: Tulsa Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West Core Based Statistical Area (CBSA): Miami, OK (#33060) CBSA Micro Statistical Area: Yes
History of Changes
Change in Location
Financial Summary
Total assets: $12.4 mil Equity capital: $1.3 mil Deposits held in domestic offices: $10.7 mil Return on assets (ROA): 0.65% ($0.1 mil) Quarterly return on assets: -0.03% (-$0.0 mil) Return on Equity (ROE): 6.87% ($0.1 mil) Quarterly return on equity: -0.31% (-$0.0 mil) Net income: $0.1 mil Quarterly Net income: -$0.0 mil Pretax return on assets: 0.82% ($101.9 mil) Quarterly Pretax return on assets: -0.03% (-$3.7 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
7Total employees (full-time equivalent)
$12,432Total assets
$1,186Cash and due from depository institutions
$828Interest-bearing balances
$2,225Securities
$0Federal funds sold & reverse repurchase agreements
$7,209Net loans & leases
$114Loan loss allowance
$0Trading account assets
$1,504Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$12,432Life insurance assets
$308All other assets
$11,173Total liabilities and capital
$10,662Total liabilities
$2,000Total deposits
$10,662Interest-bearing deposits
$100Deposits held in domestic offices
498.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$13Subordinated debt
$1,259All other liabilities
$1,259Total equity capital
$1,259Total bank equity capital
$0Perpetual preferred stock
$50Common stock
$400Surplus
$809Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$38Income earned, not collected on loans
$0Earning assets
$85Long-term assets (5+ years)
$10,262Average Assets, year-to-date
$3,925Average Assets, quarterly
$12,873Volatile liabilities
$12,479Insider loans
$9,284FHLB advances
$12,620Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$1,169Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$183Restructured Loans and leases
$4Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$701Total interest income
$105Total interest expense
$596Net interest income
$81Provision for loan and lease losses
$108Total noninterest income
$0Fiduciary activities
$60Service charges on deposit accounts
$0Trading account gains & fees
$48Additional noninterest income
$517Total noninterest expense
$226Salaries and employee benefits
$136Premises and equipment expense
$155Additional noninterest expense
$106Pre-tax net operating income
$0Securities gains (losses)
$22Applicable income taxes
$84Income before extraordinary items
$0Extraordinary gains - net
$84Net income attributable to bank
$0Net charge-offs
$84Cash dividends
$79Sale, conversion, retirement of capital stock, net
$40Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.38%Yield on earning assets
0.96%Cost of funding earning assets
5.42%Net interest margin
0.98%Noninterest income to earning assets
4.70%Noninterest expense to earning assets
0.65%Net operating income to assets
0.65%Return on assets (ROA)
0.82%Pretax return on assets
6.87%Return on equity (ROE)
3.60%Retained earnings to average equity (YTD only)
1.08%Net charge-offs to loans
102.53%Credit loss provision to net charge-offs
2.37%Efficiency ratio
73,438Assets per employee
1.78%Cash dividends to net income (YTD only)
Condition Ratios (%)
47.62%Loss allowance to loans
1.56%Loss allowance to noncurrent loans
300.00%Noncurrent assets plus other real estate owned to assets
0.31%Noncurrent loans to loans
0.52%Net loans and leases to deposits
67.61%Net loans and leases to core deposits
67.61%Equity capital to assets
10.13%Core capital (leverage) ratio
9.26%Tier 1 risk-based capital ratio
12.59%Total risk-based capital ratio
Memoranda
$14Average assets
$12,873Average earning assets
$1,222Average equity
$10,990Average loans
List of branches
1 Oklahoma Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
4069
First State Bank
101 N Mickey Mantle Blvd, Commerce, OK 74339
June 01, 1918
Full Service Brick and Mortar
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