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

First State Bank in Noble, Oklahoma (OK)
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First State Bank routing number info

First State Bank - Overview

General
FDIC Certificate #: 9879
Status: Active
Federal Reserve ID: 99853
Bank Holding Company (Regulatory Top Holder): Noble Bancshares, Inc. (RSSDID: 1050178, Location: Noble, OK)
Date Established: July 04, 1902
WWW: http://www.fsbnoble.com
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 #: 6320
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: No
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
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: 102 North Third Street, Noble, OK 73068
County: Cleveland
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
Metropolitan Statistical Area (MSA): Oklahoma City, OK (#5880)
Combined Statistical Area (CSA): Oklahoma City-Shawnee, OK (#416)
Core Based Statistical Area (CBSA): Oklahoma City, OK (#36420)
CBSA Metro Statistical Area: Oklahoma City, OK (#36420)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $55.8 mil
Equity capital: $4.4 mil
Deposits held in domestic offices: $51.3 mil
Return on assets (ROA): 0.72% ($0.4 mil)
Quarterly return on assets: 0.23% ($0.1 mil)
Return on Equity (ROE): 9.25% ($0.4 mil)
Quarterly return on equity: 2.94% ($0.1 mil)
Net income: $0.4 mil
Quarterly Net income: $0.0 mil
Pretax return on assets: 0.77% ($429.5 mil)
Quarterly Pretax return on assets: 0.36% ($200.8 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
25Total employees (full-time equivalent)
$55,774Total assets
$8,837Cash and due from depository institutions
$2,824Interest-bearing balances
$14,823Securities
$5,500Federal funds sold & reverse repurchase agreements
$23,660Net loans & leases
$300Loan loss allowance
$0Trading account assets
$2,001Bank premises and fixed assets
$338Other real estate owned
$0Goodwill and other intangibles
$55,774Life insurance assets
$615All other assets
$51,398Total liabilities and capital
$51,310Total liabilities
$38,968Total deposits
$51,310Interest-bearing deposits
$88Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$88Subordinated debt
$4,376All other liabilities
$4,376Total equity capital
$4,376Total bank equity capital
$0Perpetual preferred stock
$495Common stock
$495Surplus
$3,386Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,205Income earned, not collected on loans
$0Earning assets
$245Long-term assets (5+ years)
$46,807Average Assets, year-to-date
$4,106Average Assets, quarterly
$55,775Volatile liabilities
$56,271Insider loans
$37,012FHLB advances
$56,310Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,034Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$359Restructured Loans and leases
$594Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$2,547Total interest income
$373Total interest expense
$2,174Net interest income
$145Provision for loan and lease losses
$732Total noninterest income
$0Fiduciary activities
$668Service charges on deposit accounts
$0Trading account gains & fees
$64Additional noninterest income
$2,334Total noninterest expense
$1,249Salaries and employee benefits
$243Premises and equipment expense
$842Additional noninterest expense
$427Pre-tax net operating income
$0Securities gains (losses)
$28Applicable income taxes
$399Income before extraordinary items
$0Extraordinary gains - net
$399Net income attributable to bank
$0Net charge-offs
$399Cash dividends
$157Sale, conversion, retirement of capital stock, net
$244Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.30%Yield on earning assets
0.78%Cost of funding earning assets
4.53%Net interest margin
1.52%Noninterest income to earning assets
4.86%Noninterest expense to earning assets
0.72%Net operating income to assets
0.72%Return on assets (ROA)
0.77%Pretax return on assets
9.25%Return on equity (ROE)
3.59%Retained earnings to average equity (YTD only)
0.66%Net charge-offs to loans
92.36%Credit loss provision to net charge-offs
3.64%Efficiency ratio
80,317Assets per employee
2.23%Cash dividends to net income (YTD only)
Condition Ratios (%)
61.15%Loss allowance to loans
1.25%Loss allowance to noncurrent loans
24.90%Noncurrent assets plus other real estate owned to assets
2.77%Noncurrent loans to loans
5.03%Net loans and leases to deposits
46.11%Net loans and leases to core deposits
46.11%Equity capital to assets
7.85%Core capital (leverage) ratio
7.16%Tier 1 risk-based capital ratio
10.90%Total risk-based capital ratio
Memoranda
$12Average assets
$55,775Average earning assets
$4,315Average equity
$48,019Average loans

List of branches

2 Oklahoma Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	6320	First State Bank	102 North Third Street, Noble, OK 73068	July 04, 1902	Full Service Brick and Mortar
2	363999	Norman Branch	1600 West Lindsey Street, Norman, OK 73069	June 10, 2002	Full Service Brick and Mortar

First State Bank in Noble, 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

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