FDIC Certificate #: 4054 Status: Active Federal Reserve ID: 998657 Bank Holding Company (Regulatory Top Holder): Farmers Bancapital Corporation, The (RSSDID: 1067907, Location: Carnegie, OK) Date Established: October 27, 1905 Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 53315 FDIC's unique #: 2629 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: Agricultural Specialization 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: 31 West Main Street, Carnegie, OK 73015 County: Caddo 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
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $55.0 mil Equity capital: $5.0 mil Deposits held in domestic offices: $50.0 mil Return on assets (ROA): 1.91% ($1.1 mil) Quarterly return on assets: -0.28% (-$0.2 mil) Return on Equity (ROE): 20.57% ($1.0 mil) Quarterly return on equity: -3.00% (-$0.1 mil) Net income: $1.0 mil Quarterly Net income: -$0.0 mil Pretax return on assets: 1.91% ($1,051.5 mil) Quarterly Pretax return on assets: -0.28% (-$154.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
15Total employees (full-time equivalent)
$55,050Total assets
$1,318Cash and due from depository institutions
$0Interest-bearing balances
$4,093Securities
$4,327Federal funds sold & reverse repurchase agreements
$42,802Net loans & leases
$379Loan loss allowance
$0Trading account assets
$471Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$55,050Life insurance assets
$2,039All other assets
$50,070Total liabilities and capital
$49,993Total liabilities
$42,077Total deposits
$49,993Interest-bearing deposits
$88Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$77Subordinated debt
$4,980All other liabilities
$4,980Total equity capital
$4,980Total bank equity capital
$0Perpetual preferred stock
$400Common stock
$700Surplus
$3,880Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$913Income earned, not collected on loans
$0Earning assets
$772Long-term assets (5+ years)
$51,222Average Assets, year-to-date
$1,058Average Assets, quarterly
$54,250Volatile liabilities
$55,099Insider loans
$46,075FHLB advances
$54,887Loans and leases held for sale
$1,023Unused loan commitments
$1,023Tier 1 (core) risk-based capital
$4,944Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$8,150Restructured Loans and leases
$419Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,235Total interest income
$619Total interest expense
$2,616Net interest income
$120Provision for loan and lease losses
$454Total noninterest income
$0Fiduciary activities
$414Service charges on deposit accounts
$0Trading account gains & fees
$40Additional noninterest income
$1,913Total noninterest expense
$1,147Salaries and employee benefits
$209Premises and equipment expense
$557Additional noninterest expense
$1,037Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$1,037Income before extraordinary items
$0Extraordinary gains - net
$1,037Net income attributable to bank
$0Net charge-offs
$1,037Cash dividends
$126Sale, conversion, retirement of capital stock, net
$1,060Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.42%Yield on earning assets
1.23%Cost of funding earning assets
5.19%Net interest margin
0.90%Noninterest income to earning assets
3.80%Noninterest expense to earning assets
1.91%Net operating income to assets
1.91%Return on assets (ROA)
1.91%Pretax return on assets
20.57%Return on equity (ROE)
-0.46%Retained earnings to average equity (YTD only)
0.29%Net charge-offs to loans
95.24%Credit loss provision to net charge-offs
9.18%Efficiency ratio
62,313Assets per employee
3.67%Cash dividends to net income (YTD only)
Condition Ratios (%)
102.22%Loss allowance to loans
0.88%Loss allowance to noncurrent loans
41.51%Noncurrent assets plus other real estate owned to assets
1.66%Noncurrent loans to loans
2.11%Net loans and leases to deposits
85.62%Net loans and leases to core deposits
98.40%Equity capital to assets
9.05%Core capital (leverage) ratio
9.01%Tier 1 risk-based capital ratio
10.73%Total risk-based capital ratio
Memoranda
$12Average assets
$54,250Average earning assets
$5,042Average equity
$50,374Average loans
List of branches
1 Oklahoma Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
2629
The Farmers Bank
31 West Main Street, Carnegie, OK 73015
October 27, 1905
Full Service Brick and Mortar
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