Osage Federal Bank in Pawhuska, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Osage Federal Bank in Pawhuska, Oklahoma (OK)
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Osage Federal Bank - Overview

  • General
  • FDIC Certificate #: 28356
    Status: Active
    Federal Reserve ID: 80776
    Date Established: January 01, 1918
    WWW: http://www.osagefed.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 1427
    FDIC's unique #: 41190
    Numeric code: 37
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: September 09, 1935
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 239 East Main Street, Pawhuska, OK 74056
    County: Osage
    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
    Metropolitan Statistical Area (MSA): Tulsa, OK (#8560)
    Combined Statistical Area (CSA): Tulsa-Bartlesville, OK (#538)
    Core Based Statistical Area (CBSA): Tulsa, OK (#46140)
    CBSA Metro Statistical Area: Tulsa, OK (#46140)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $154.3 mil
    Equity capital: $19.9 mil
    Deposits held in domestic offices: $114.2 mil
    Return on assets (ROA): 0.63% ($1.0 mil)
    Quarterly return on assets: 0.72% ($1.1 mil)
    Return on Equity (ROE): 4.94% ($1.0 mil)
    Quarterly return on equity: 5.73% ($1.1 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.01% ($1,558.3 mil)
    Quarterly Pretax return on assets: 1.15% ($1,774.3 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
  • 37Total employees (full-time equivalent)
  • $154,284Total assets
  • $8,518Cash and due from depository institutions
  • $5,666Interest-bearing balances
  • $40,059Securities
  • $9,488Federal funds sold & reverse repurchase agreements
  • $87,299Net loans & leases
  • $573Loan loss allowance
  • $0Trading account assets
  • $1,721Bank premises and fixed assets
  • $129Other real estate owned
  • $1,196Goodwill and other intangibles
  • $154,284Life insurance assets
  • $5,874All other assets
  • $134,370Total liabilities and capital
  • $114,174Total liabilities
  • $104,067Total deposits
  • $114,174Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $19,273Trading liabilities
  • $0Other borrowed funds
  • $923Subordinated debt
  • $19,914All other liabilities
  • $19,914Total equity capital
  • $19,914Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $14,642Surplus
  • $5,272Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $793Income earned, not collected on loans
  • $0Earning assets
  • $593Long-term assets (5+ years)
  • $142,512Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $156,148Volatile liabilities
  • $156,882Insider loans
  • $83,120FHLB advances
  • $153,365Loans and leases held for sale
  • $2,552Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $18,995Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,778Restructured Loans and leases
  • $157Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,947Total interest income
  • $2,094Total interest expense
  • $4,853Net interest income
  • $75Provision for loan and lease losses
  • $1,127Total noninterest income
  • $0Fiduciary activities
  • $118Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,009Additional noninterest income
  • $4,092Total noninterest expense
  • $2,339Salaries and employee benefits
  • $699Premises and equipment expense
  • $1,054Additional noninterest expense
  • $1,813Pre-tax net operating income
  • -$236Securities gains (losses)
  • $590Applicable income taxes
  • $987Income before extraordinary items
  • $0Extraordinary gains - net
  • $987Net income attributable to bank
  • $0Net charge-offs
  • $987Cash dividends
  • $46Sale, conversion, retirement of capital stock, net
  • $4,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.79%Yield on earning assets
  • 1.44%Cost of funding earning assets
  • 3.35%Net interest margin
  • 0.78%Noninterest income to earning assets
  • 2.82%Noninterest expense to earning assets
  • 0.73%Net operating income to assets
  • 0.63%Return on assets (ROA)
  • 1.01%Pretax return on assets
  • 4.94%Return on equity (ROE)
  • -15.09%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 163.04%Credit loss provision to net charge-offs
  • 41.04%Efficiency ratio
  • 67,375Assets per employee
  • 4.17%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 405.27%Loss allowance to loans
  • 0.65%Loss allowance to noncurrent loans
  • 72.26%Noncurrent assets plus other real estate owned to assets
  • 0.60%Noncurrent loans to loans
  • 0.90%Net loans and leases to deposits
  • 76.46%Net loans and leases to core deposits
  • 90.85%Equity capital to assets
  • 12.91%Core capital (leverage) ratio
  • 12.39%Tier 1 risk-based capital ratio
  • 22.85%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $156,148Average earning assets
  • $19,961Average equity
  • $145,019Average loans

List of branches

  • 3 Oklahoma Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    041190Osage Federal Bank239 East Main Street, Pawhuska, OK 74056January 01, 1918Full Service Brick and Mortar
    1266938Bartlesville Branch3309 Se Frank Phillips Blvd, Bartlesville, OK 74006March 01, 1992Full Service Brick and Mortar
    21541Barnsdall Branch400 West Main Street, Barnsdall, OK 74002December 07, 1925Full Service Brick and Mortar

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