FDIC Certificate #: 2301 Status: Active Federal Reserve ID: 141350 Date Established: August 06, 1915 WWW:http://www.fsbboisecity.com 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 #: 53275 FDIC's unique #: 1521 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: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: May 28, 2010 Last Structure Change Process Date: May 28, 2010 Last Data Update: May 28, 2010 Data Source Date: April 05, 2012
Location
Address: 20 Nw Square, Boise City, OK 73933 County: Cimarron 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: $54.2 mil Equity capital: $4.2 mil Deposits held in domestic offices: $48.5 mil Return on assets (ROA): 0.50% ($0.3 mil) Quarterly return on assets: 0.33% ($0.2 mil) Return on Equity (ROE): 6.11% ($0.2 mil) Quarterly return on equity: 4.08% ($0.2 mil) Net income: $0.3 mil Quarterly Net income: $0.0 mil Pretax return on assets: 1.43% ($775.7 mil) Quarterly Pretax return on assets: 1.27% ($688.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
12Total employees (full-time equivalent)
$54,247Total assets
$909Cash and due from depository institutions
$4Interest-bearing balances
$12,677Securities
$2,680Federal funds sold & reverse repurchase agreements
$35,907Net loans & leases
$325Loan loss allowance
$0Trading account assets
$272Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$54,247Life insurance assets
$1,802All other assets
$50,008Total liabilities and capital
$48,531Total liabilities
$31,135Total deposits
$48,531Interest-bearing deposits
$88Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,477Subordinated debt
$4,239All other liabilities
$4,239Total equity capital
$4,239Total bank equity capital
$0Perpetual preferred stock
$300Common stock
$400Surplus
$3,539Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$61Income earned, not collected on loans
$0Earning assets
$729Long-term assets (5+ years)
$51,268Average Assets, year-to-date
$13,156Average Assets, quarterly
$53,405Volatile liabilities
$53,388Insider loans
$39,352FHLB advances
$53,382Loans and leases held for sale
$418Unused loan commitments
$418Tier 1 (core) risk-based capital
$4,852Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$21Restructured Loans and leases
$2,435Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,569Total interest income
$376Total interest expense
$2,193Net interest income
$50Provision for loan and lease losses
$298Total noninterest income
$0Fiduciary activities
$208Service charges on deposit accounts
$0Trading account gains & fees
$90Additional noninterest income
$1,676Total noninterest expense
$1,000Salaries and employee benefits
$197Premises and equipment expense
$479Additional noninterest expense
$765Pre-tax net operating income
$0Securities gains (losses)
$500Applicable income taxes
$265Income before extraordinary items
$0Extraordinary gains - net
$265Net income attributable to bank
$0Net charge-offs
$265Cash dividends
$25Sale, conversion, retirement of capital stock, net
$150Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.12%Yield on earning assets
0.75%Cost of funding earning assets
4.37%Net interest margin
0.59%Noninterest income to earning assets
3.34%Noninterest expense to earning assets
0.50%Net operating income to assets
0.50%Return on assets (ROA)
1.43%Pretax return on assets
6.11%Return on equity (ROE)
2.65%Retained earnings to average equity (YTD only)
0.07%Net charge-offs to loans
200.00%Credit loss provision to net charge-offs
32.60%Efficiency ratio
67,282Assets per employee
4.52%Cash dividends to net income (YTD only)
Condition Ratios (%)
56.60%Loss allowance to loans
0.90%Loss allowance to noncurrent loans
532.79%Noncurrent assets plus other real estate owned to assets
0.11%Noncurrent loans to loans
0.17%Net loans and leases to deposits
73.99%Net loans and leases to core deposits
83.96%Equity capital to assets
7.81%Core capital (leverage) ratio
9.09%Tier 1 risk-based capital ratio
12.33%Total risk-based capital ratio
Memoranda
$13Average assets
$53,405Average earning assets
$4,339Average equity
$50,219Average loans
List of branches
1 Oklahoma Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
1521
The First State Bank
20 Nw Square, Boise City, OK 73933
August 06, 1915
Full Service Brick and Mortar
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