Peoples State Bank in Claremore, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 11, 1995

Peoples State Bank in Claremore, Oklahoma (OK)
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Peoples State Bank - Overview

General
FDIC Certificate #: 23678
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Grand Bank (#22065)
Federal Reserve ID: 1004957
Date Established: Febuary 09, 1982
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 16565
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: Febuary 09, 1982
Last Structure Change Effective Date: October 11, 1995
Last Structure Change Process Date: December 07, 1995
Last Data Update: December 07, 1995
Data Source Date: April 05, 2012
Location
Address: 1700 South Lynn Riggs, Claremore, OK 74018
County: Rogers
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)
Financial Summary
Total assets: $20.6 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$12Total assets
$21,171Cash and due from depository institutions
$696Interest-bearing balances
$0Securities
$3,505Federal funds sold & reverse repurchase agreements
$675Net loans & leases
$14,902Loan loss allowance
$187Trading account assets
$0Bank premises and fixed assets
$714Other real estate owned
$387Goodwill and other intangibles
$292Life insurance assets
$0All other assets
$0Total liabilities and capital
$21,171Total liabilities
$19,065Total deposits
$18,910Interest-bearing deposits
$15,797Deposits held in domestic offices
18910.00%% insured (estimated)
$94Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$155Total equity capital
$155Total bank equity capital
$2,106Perpetual preferred stock
$0Common stock
$1,028Surplus
$838Undivided profits
Memoranda
$240Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$156Income earned, not collected on loans
$183Earning assets
$19,082Long-term assets (5+ years)
$974Average Assets, year-to-date
$21,346Average Assets, quarterly
$21,400Volatile liabilities
$4,551Insider loans
$615FHLB advances
$0Loans and leases held for sale
$100Unused loan commitments
$1,654Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$2,106Total risk weighted assets
$14,743Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$1,671Total interest expense
$608Net interest income
$1,063Provision for loan and lease losses
$121Total noninterest income
$367Fiduciary activities
$0Service charges on deposit accounts
$206Trading account gains & fees
$0Additional noninterest income
$161Total noninterest expense
$757Salaries and employee benefits
$345Premises and equipment expense
$108Additional noninterest expense
$304Pre-tax net operating income
$552Securities gains (losses)
-$40Applicable income taxes
$143Income before extraordinary items
$369Extraordinary gains - net
$0Net income attributable to bank
$369Net charge-offs
$110Cash dividends
$226Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.71%Cost of funding earning assets
3.17%Net interest margin
5.54%Noninterest income to earning assets
1.91%Noninterest expense to earning assets
3.95%Net operating income to assets
1.86%Return on assets (ROA)
1.73%Pretax return on assets
2.40%Return on equity (ROE)
17.76%Retained earnings to average equity (YTD only)
6.88%Net charge-offs to loans
0.73%Credit loss provision to net charge-offs
110.00%Efficiency ratio
52,937Assets per employee
1.76%Cash dividends to net income (YTD only)
Condition Ratios (%)
61.25%Loss allowance to loans
1.24%Loss allowance to noncurrent loans
119.87%Noncurrent assets plus other real estate owned to assets
2.56%Noncurrent loans to loans
1.03%Net loans and leases to deposits
78.80%Net loans and leases to core deposits
103.78%Equity capital to assets
9.95%Core capital (leverage) ratio
9.85%Tier 1 risk-based capital ratio
14.28%Total risk-based capital ratio
Memoranda
$16Average assets
$21,346Average earning assets
$2,078Average equity
$19,186Average loans

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