The First National Bank of Davis in Davis, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 11, 2011

The First National Bank of Davis in Davis, Oklahoma (OK)
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The First National Bank of Davis - Overview

General
FDIC Certificate #: 4077
Status: Inactive
Closing history: Absorption - Assisted
Acquiring institution: The Pauls Valley National Bank (#4173)
Federal Reserve ID: 949257
Date Established: January 01, 1895
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 1 (Interstate: No)
OTS Docket #: 11156
FDIC's unique #: 2651
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
State Chartered: No
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 11, 2011
Last Structure Change Process Date: March 14, 2011
Last Data Update: March 14, 2011
Data Source Date: April 05, 2012
Location
Address: 227 East Main, Davis, OK 73030
County: Murray
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
Financial Summary
Total assets: $90.2 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, 2010)

Dollar figures in thousands
25Total employees (full-time equivalent)
$90,183Total assets
$1,214Cash and due from depository institutions
$40Interest-bearing balances
$27,219Securities
$0Federal funds sold & reverse repurchase agreements
$57,344Net loans & leases
$993Loan loss allowance
$0Trading account assets
$845Bank premises and fixed assets
$1,154Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$2,407All other assets
$90,183Total liabilities and capital
$82,878Total liabilities
$68,331Total deposits
$61,512Interest-bearing deposits
$68,331Deposits held in domestic offices
83.29%% insured (estimated)
$1,846Federal funds purchased & repurchase agreements
$0Trading liabilities
$12,539Other borrowed funds
$0Subordinated debt
$162All other liabilities
$7,305Total equity capital
$7,305Total bank equity capital
$7,305Perpetual preferred stock
$0Common stock
$1,000Surplus
$2,400Undivided profits
Memoranda
$3,905Noncurrent loans and leases
$4,893Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$979Earning assets
$0Long-term assets (5+ years)
$932Average Assets, year-to-date
$84,603Average Assets, quarterly
$40,210Volatile liabilities
$83,447Insider loans
$88,400FHLB advances
$25,062Loans and leases held for sale
$94Unused loan commitments
$12,500Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$4,893Total unused commitments
$0Restructured Loans and leases
$711Derivatives

Income and Expense (December 31, 2010)

Dollar figures in thousands
$4,296Total interest income
$934Total interest expense
$3,362Net interest income
$617Provision for loan and lease losses
$651Total noninterest income
$0Fiduciary activities
$245Service charges on deposit accounts
$0Trading account gains & fees
$406Additional noninterest income
$2,461Total noninterest expense
$1,112Salaries and employee benefits
$228Premises and equipment expense
$1,121Additional noninterest expense
$935Pre-tax net operating income
$249Securities gains (losses)
$0Applicable income taxes
$1,184Income before extraordinary items
$0Extraordinary gains - net
$1,184Net income attributable to bank
$0Net charge-offs
$1,184Cash dividends
$582Sale, conversion, retirement of capital stock, net
$619Net operating income

Performance and Condition Ratios (December 31, 2010)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.55%Yield on earning assets
1.21%Cost of funding earning assets
4.35%Net interest margin
0.84%Noninterest income to earning assets
3.18%Noninterest expense to earning assets
1.12%Net operating income to assets
1.42%Return on assets (ROA)
1.42%Pretax return on assets
16.05%Return on equity (ROE)
7.66%Retained earnings to average equity (YTD only)
1.14%Net charge-offs to loans
106.01%Credit loss provision to net charge-offs
2.67%Efficiency ratio
61,326Assets per employee
3.61%Cash dividends to net income (YTD only)
Condition Ratios (%)
52.28%Loss allowance to loans
1.70%Loss allowance to noncurrent loans
101.43%Noncurrent assets plus other real estate owned to assets
2.37%Noncurrent loans to loans
1.68%Net loans and leases to deposits
83.92%Net loans and leases to core deposits
127.00%Equity capital to assets
8.10%Core capital (leverage) ratio
8.10%Tier 1 risk-based capital ratio
12.61%Total risk-based capital ratio
Memoranda
$14Average assets
$83,447Average earning assets
$7,375Average equity
$77,366Average loans

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