FDIC Certificate #: 21090 Status: Active Federal Reserve ID: 186856 Bank Holding Company (Regulatory Top Holder): Three Rivers Bankshares, Inc. (RSSDID: 2791713, Location: Fort Gibson, OK) Date Established: May 21, 1973 WWW:http://www.fortgibsonstatebank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 14575 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: Commercial Lending Specialization Date of Deposit Insurance: May 21, 1973 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: South Lee Street And Maple Avenue, Fort Gibson, OK 74434 County: Muskogee 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): Muskogee, OK (#34780) CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $56.3 mil Equity capital: $4.4 mil Deposits held in domestic offices: $51.3 mil Return on assets (ROA): 0.79% ($0.4 mil) Quarterly return on assets: 0.03% ($0.0 mil) Return on Equity (ROE): 10.45% ($0.4 mil) Quarterly return on equity: 0.36% ($0.0 mil) Net income: $0.5 mil Quarterly Net income: $0.0 mil Pretax return on assets: 1.13% ($636.4 mil) Quarterly Pretax return on assets: 0.74% ($416.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
21Total employees (full-time equivalent)
$56,323Total assets
$5,079Cash and due from depository institutions
$3,766Interest-bearing balances
$16,015Securities
$206Federal funds sold & reverse repurchase agreements
$31,833Net loans & leases
$446Loan loss allowance
$0Trading account assets
$2,074Bank premises and fixed assets
$307Other real estate owned
$0Goodwill and other intangibles
$56,323Life insurance assets
$809All other assets
$51,895Total liabilities and capital
$51,289Total liabilities
$44,325Total deposits
$51,289Interest-bearing deposits
$84Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$606Subordinated debt
$4,428All other liabilities
$4,428Total equity capital
$4,428Total bank equity capital
$0Perpetual preferred stock
$215Common stock
$2,785Surplus
$1,428Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$407Long-term assets (5+ years)
$51,820Average Assets, year-to-date
$24,301Average Assets, quarterly
$57,359Volatile liabilities
$56,368Insider loans
$37,260FHLB advances
$58,657Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,339Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,565Restructured Loans and leases
$2,104Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,326Total interest income
$496Total interest expense
$2,830Net interest income
$13Provision for loan and lease losses
$284Total noninterest income
$0Fiduciary activities
$204Service charges on deposit accounts
$0Trading account gains & fees
$80Additional noninterest income
$2,455Total noninterest expense
$1,363Salaries and employee benefits
$409Premises and equipment expense
$683Additional noninterest expense
$646Pre-tax net operating income
$0Securities gains (losses)
$190Applicable income taxes
$456Income before extraordinary items
$0Extraordinary gains - net
$456Net income attributable to bank
$0Net charge-offs
$456Cash dividends
$23Sale, conversion, retirement of capital stock, net
$420Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.29%Yield on earning assets
0.94%Cost of funding earning assets
5.36%Net interest margin
0.54%Noninterest income to earning assets
4.65%Noninterest expense to earning assets
0.79%Net operating income to assets
0.79%Return on assets (ROA)
1.13%Pretax return on assets
10.45%Return on equity (ROE)
0.82%Retained earnings to average equity (YTD only)
0.07%Net charge-offs to loans
56.52%Credit loss provision to net charge-offs
28.65%Efficiency ratio
78,838Assets per employee
2.68%Cash dividends to net income (YTD only)
Condition Ratios (%)
92.11%Loss allowance to loans
1.38%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.55%Noncurrent loans to loans
0.00%Net loans and leases to deposits
62.07%Net loans and leases to core deposits
67.17%Equity capital to assets
7.86%Core capital (leverage) ratio
7.40%Tier 1 risk-based capital ratio
11.65%Total risk-based capital ratio
Memoranda
$13Average assets
$57,359Average earning assets
$4,365Average equity
$52,843Average loans
List of branches
1 Oklahoma Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
14575
Fort Gibson State Bank
South Lee Street And Maple Avenue, Fort Gibson, OK 74434
May 21, 1973
Full Service Brick and Mortar
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