FDIC Certificate #: 2316 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The Community State Bank (#20279) Federal Reserve ID: 860558 Date Established: April 01, 1909 Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Interstate: No) FDIC's unique #: 1533 Numeric code: 13 Regulator: FED Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: July 14, 2000 Last Structure Change Process Date: August 07, 2000 Last Data Update: August 07, 2000 Data Source Date: April 05, 2012
Location
Address: Main Street, Wister, OK 74966 County: Le Flore 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 Core Based Statistical Area (CBSA): Fort Smith, AR-OK (#22900) CBSA Metro Statistical Area: Fort Smith, AR-OK (#22900)
Financial Summary
Total assets: $8.8 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1999)
Dollar figures in thousands
5Total employees (full-time equivalent)
$8,361Total assets
$286Cash and due from depository institutions
$0Interest-bearing balances
$2,423Securities
$100Federal funds sold & reverse repurchase agreements
$4,617Net loans & leases
$48Loan loss allowance
$0Trading account assets
$90Bank premises and fixed assets
$0Other real estate owned
$760Goodwill and other intangibles
$0Life insurance assets
$85All other assets
$8,361Total liabilities and capital
$6,674Total liabilities
$6,622Total deposits
$4,955Interest-bearing deposits
$6,622Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$52All other liabilities
$1,687Total equity capital
$1,687Total bank equity capital
$1,687Perpetual preferred stock
$0Common stock
$125Surplus
$1,546Undivided profits
Memoranda
$16Noncurrent loans and leases
$111Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$22Earning assets
$0Long-term assets (5+ years)
$53Average Assets, year-to-date
$7,140Average Assets, quarterly
$811Volatile liabilities
$9,017Insider loans
$8,421FHLB advances
$200Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$111Total unused commitments
$0Restructured Loans and leases
$48Derivatives
Income and Expense (December 31, 1999)
Dollar figures in thousands
$332Total interest income
$102Total interest expense
$230Net interest income
$17Provision for loan and lease losses
$30Total noninterest income
$0Fiduciary activities
$14Service charges on deposit accounts
$0Trading account gains & fees
$16Additional noninterest income
$195Total noninterest expense
$79Salaries and employee benefits
$35Premises and equipment expense
$81Additional noninterest expense
$48Pre-tax net operating income
$6Securities gains (losses)
$20Applicable income taxes
$34Income before extraordinary items
$0Extraordinary gains - net
$34Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$40Sale, conversion, retirement of capital stock, net
$1,100Net operating income
Performance and Condition Ratios (December 31, 1999)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.26%Yield on earning assets
1.31%Cost of funding earning assets
2.95%Net interest margin
0.39%Noninterest income to earning assets
2.50%Noninterest expense to earning assets
0.33%Net operating income to assets
0.38%Return on assets (ROA)
0.60%Pretax return on assets
1.69%Return on equity (ROE)
-53.05%Retained earnings to average equity (YTD only)
1.00%Net charge-offs to loans
42.50%Credit loss provision to net charge-offs
1.63%Efficiency ratio
65,000Assets per employee
1.67%Cash dividends to net income (YTD only)
Condition Ratios (%)
3235.29%Loss allowance to loans
1.03%Loss allowance to noncurrent loans
218.18%Noncurrent assets plus other real estate owned to assets
0.26%Noncurrent loans to loans
0.47%Net loans and leases to deposits
69.72%Net loans and leases to core deposits
71.89%Equity capital to assets
20.18%Core capital (leverage) ratio
12.10%Tier 1 risk-based capital ratio
20.29%Total risk-based capital ratio
Memoranda
$21Average assets
$9,017Average earning assets
$2,010Average equity
$7,786Average loans
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