FDIC Certificate #: 4193 Status: Active Federal Reserve ID: 313157 Date Established: January 01, 1901 WWW:http://www.fnbseiling.com Trust Powers Granted: No Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 2746 Numeric code: 3 Regulator: OCC 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: No Subchapter S Corporations: Yes Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: June 01, 2010 Last Structure Change Process Date: June 01, 2010 Last Data Update: June 01, 2010 Data Source Date: April 05, 2012
Location
Address: 301 North Main Street, Seiling, OK 73663 County: Dewey 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
Change in Location
Financial Summary
Total assets: $81.2 mil Equity capital: $9.7 mil Deposits held in domestic offices: $68.8 mil Return on assets (ROA): 0.79% ($0.6 mil) Quarterly return on assets: 0.82% ($0.7 mil) Return on Equity (ROE): 6.25% ($0.6 mil) Quarterly return on equity: 6.79% ($0.7 mil) Net income: $0.6 mil Quarterly Net income: $0.2 mil Pretax return on assets: 0.79% ($641.2 mil) Quarterly Pretax return on assets: 0.82% ($665.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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)
$81,161Total assets
$3,958Cash and due from depository institutions
$1,485Interest-bearing balances
$34,630Securities
$0Federal funds sold & reverse repurchase agreements
$38,354Net loans & leases
$500Loan loss allowance
$0Trading account assets
$2,494Bank premises and fixed assets
$72Other real estate owned
$0Goodwill and other intangibles
$81,161Life insurance assets
$1,653All other assets
$71,496Total liabilities and capital
$68,835Total liabilities
$62,685Total deposits
$68,835Interest-bearing deposits
$75Deposits held in domestic offices
369.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,000Trading liabilities
$0Other borrowed funds
$292Subordinated debt
$9,665All other liabilities
$9,665Total equity capital
$9,665Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$200Surplus
$9,365Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$93Income earned, not collected on loans
$0Earning assets
$639Long-term assets (5+ years)
$74,469Average Assets, year-to-date
$23,404Average Assets, quarterly
$75,969Volatile liabilities
$80,985Insider loans
$50,397FHLB advances
$80,174Loans and leases held for sale
$130Unused loan commitments
$130Tier 1 (core) risk-based capital
$8,600Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$5,154Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,055Total interest income
$481Total interest expense
$2,574Net interest income
$0Provision for loan and lease losses
$223Total noninterest income
$0Fiduciary activities
$155Service charges on deposit accounts
$0Trading account gains & fees
$68Additional noninterest income
$2,199Total noninterest expense
$1,340Salaries and employee benefits
$303Premises and equipment expense
$556Additional noninterest expense
$598Pre-tax net operating income
-$1Securities gains (losses)
$0Applicable income taxes
$597Income before extraordinary items
$0Extraordinary gains - net
$597Net income attributable to bank
$0Net charge-offs
$597Cash dividends
$13Sale, conversion, retirement of capital stock, net
$497Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.40%Yield on earning assets
0.69%Cost of funding earning assets
3.71%Net interest margin
0.32%Noninterest income to earning assets
3.17%Noninterest expense to earning assets
0.79%Net operating income to assets
0.79%Return on assets (ROA)
0.79%Pretax return on assets
6.25%Return on equity (ROE)
1.05%Retained earnings to average equity (YTD only)
0.04%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
46.00%Efficiency ratio
78,620Assets per employee
5.41%Cash dividends to net income (YTD only)
Condition Ratios (%)
83.25%Loss allowance to loans
1.29%Loss allowance to noncurrent loans
537.63%Noncurrent assets plus other real estate owned to assets
0.20%Noncurrent loans to loans
0.24%Net loans and leases to deposits
55.72%Net loans and leases to core deposits
71.31%Equity capital to assets
11.91%Core capital (leverage) ratio
10.73%Tier 1 risk-based capital ratio
17.06%Total risk-based capital ratio
Memoranda
$18Average assets
$75,969Average earning assets
$9,545Average equity
$69,354Average loans
List of branches
1 Oklahoma Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
2746
The First National Bank Of Seiling
301 North Main Street, Seiling, OK 73663
January 01, 1901
Full Service Brick and Mortar
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