FDIC Certificate #: 4199 Status: Active Federal Reserve ID: 319458 Bank Holding Company (Regulatory Top Holder): Stigler Bancorporation, Inc. (RSSDID: 1142288, Location: Stigler, OK) Date Established: April 19, 1904 WWW:http://www.fnbstigler.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) OTS Docket #: 12218 FDIC's unique #: 2752 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: 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: 300 East Main Street, Stigler, OK 74462 County: Haskell 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
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $104.2 mil Equity capital: $8.6 mil Deposits held in domestic offices: $95.5 mil Return on assets (ROA): 2.18% ($2.3 mil) Quarterly return on assets: 2.03% ($2.1 mil) Return on Equity (ROE): 26.43% ($2.4 mil) Quarterly return on equity: 24.40% ($2.2 mil) Net income: $2.3 mil Quarterly Net income: $0.5 mil Pretax return on assets: 2.18% ($2,271.6 mil) Quarterly Pretax return on assets: 2.03% ($2,115.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
26Total employees (full-time equivalent)
$104,200Total assets
$13,006Cash and due from depository institutions
$10,755Interest-bearing balances
$50,449Securities
$0Federal funds sold & reverse repurchase agreements
$38,490Net loans & leases
$494Loan loss allowance
$0Trading account assets
$685Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$104,200Life insurance assets
$1,570All other assets
$95,628Total liabilities and capital
$95,491Total liabilities
$70,854Total deposits
$95,491Interest-bearing deposits
$83Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$137Subordinated debt
$8,572All other liabilities
$8,572Total equity capital
$8,572Total bank equity capital
$0Perpetual preferred stock
$300Common stock
$440Surplus
$7,832Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$47Income earned, not collected on loans
$0Earning assets
$616Long-term assets (5+ years)
$99,694Average Assets, year-to-date
$42,187Average Assets, quarterly
$103,426Volatile liabilities
$104,240Insider loans
$45,866FHLB advances
$103,805Loans and leases held for sale
$246Unused loan commitments
$246Tier 1 (core) risk-based capital
$7,829Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$5,211Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$4,151Total interest income
$490Total interest expense
$3,661Net interest income
$1Provision for loan and lease losses
$731Total noninterest income
$0Fiduciary activities
$495Service charges on deposit accounts
$0Trading account gains & fees
$236Additional noninterest income
$2,368Total noninterest expense
$1,411Salaries and employee benefits
$334Premises and equipment expense
$623Additional noninterest expense
$2,023Pre-tax net operating income
$228Securities gains (losses)
$0Applicable income taxes
$2,251Income before extraordinary items
$0Extraordinary gains - net
$2,251Net income attributable to bank
$0Net charge-offs
$2,251Cash dividends
$4Sale, conversion, retirement of capital stock, net
$1,915Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.20%Yield on earning assets
0.50%Cost of funding earning assets
3.71%Net interest margin
0.74%Noninterest income to earning assets
2.40%Noninterest expense to earning assets
1.96%Net operating income to assets
2.18%Return on assets (ROA)
2.18%Pretax return on assets
26.43%Return on equity (ROE)
3.95%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
25.00%Credit loss provision to net charge-offs
506.00%Efficiency ratio
53,916Assets per employee
4.01%Cash dividends to net income (YTD only)
Condition Ratios (%)
85.07%Loss allowance to loans
1.27%Loss allowance to noncurrent loans
1051.06%Noncurrent assets plus other real estate owned to assets
0.05%Noncurrent loans to loans
0.12%Net loans and leases to deposits
40.31%Net loans and leases to core deposits
41.30%Equity capital to assets
8.23%Core capital (leverage) ratio
7.54%Tier 1 risk-based capital ratio
17.07%Total risk-based capital ratio
Memoranda
$18Average assets
$103,426Average earning assets
$8,516Average equity
$98,774Average loans
List of branches
1 Oklahoma Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
2752
The First National Bank Of Stigler
300 East Main Street, Stigler, OK 74462
April 19, 1904
Full Service Brick and Mortar
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