FDIC Certificate #: 399 Status: Active Federal Reserve ID: 514356 Bank Holding Company (Regulatory Top Holder): Brewer Bancorp, Inc. (RSSDID: 1472136, Location: Ryan, OK) Date Established: June 01, 1894 Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 306 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: 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: 6th And Washington, Ryan, OK 73565 County: Jefferson 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
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $34.7 mil Equity capital: $1.8 mil Deposits held in domestic offices: $32.8 mil Return on assets (ROA): -5.61% (-$2.0 mil) Quarterly return on assets: 1.86% ($0.7 mil) Return on Equity (ROE): -72.78% (-$1.5 mil) Quarterly return on equity: 40.18% ($0.8 mil) Net income: -$2.3 mil Quarterly Net income: $0.2 mil Pretax return on assets: -5.61% (-$1,948.0 mil) Quarterly Pretax return on assets: 1.86% ($645.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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)
$34,723Total assets
$3,497Cash and due from depository institutions
$3,097Interest-bearing balances
$26Securities
$3,675Federal funds sold & reverse repurchase agreements
$25,804Net loans & leases
$1,799Loan loss allowance
$0Trading account assets
$254Bank premises and fixed assets
$587Other real estate owned
$0Goodwill and other intangibles
$34,723Life insurance assets
$880All other assets
$32,935Total liabilities and capital
$32,848Total liabilities
$30,023Total deposits
$32,848Interest-bearing deposits
$98Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$87Subordinated debt
$1,788All other liabilities
$1,788Total equity capital
$1,788Total bank equity capital
$0Perpetual preferred stock
$150Common stock
$1,438Surplus
$200Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,193Income earned, not collected on loans
$0Earning assets
$376Long-term assets (5+ years)
$32,602Average Assets, year-to-date
$10,070Average Assets, quarterly
$41,658Volatile liabilities
$36,807Insider loans
$23,383FHLB advances
$36,903Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$1,787Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$945Restructured Loans and leases
$409Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,205Total interest income
$568Total interest expense
$1,637Net interest income
$3,006Provision for loan and lease losses
$107Total noninterest income
$0Fiduciary activities
$73Service charges on deposit accounts
$0Trading account gains & fees
$34Additional noninterest income
$1,073Total noninterest expense
$545Salaries and employee benefits
$105Premises and equipment expense
$423Additional noninterest expense
-$2,335Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$2,335Income before extraordinary items
$0Extraordinary gains - net
-$2,335Net income attributable to bank
$0Net charge-offs
-$2,335Cash dividends
$1,864Sale, conversion, retirement of capital stock, net
$125Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.59%Yield on earning assets
1.44%Cost of funding earning assets
4.15%Net interest margin
0.27%Noninterest income to earning assets
2.72%Noninterest expense to earning assets
-5.61%Net operating income to assets
-5.61%Return on assets (ROA)
-5.61%Pretax return on assets
-72.78%Return on equity (ROE)
-76.68%Retained earnings to average equity (YTD only)
5.82%Net charge-offs to loans
161.27%Credit loss provision to net charge-offs
0.36%Efficiency ratio
61,525Assets per employee
2.89%Cash dividends to net income (YTD only)
Condition Ratios (%)
-5.35%Loss allowance to loans
6.52%Loss allowance to noncurrent loans
82.03%Noncurrent assets plus other real estate owned to assets
8.01%Noncurrent loans to loans
7.94%Net loans and leases to deposits
78.56%Net loans and leases to core deposits
79.18%Equity capital to assets
5.15%Core capital (leverage) ratio
4.84%Tier 1 risk-based capital ratio
7.64%Total risk-based capital ratio
Memoranda
$9Average assets
$41,658Average earning assets
$3,208Average equity
$39,413Average loans
List of branches
1 Oklahoma Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
306
The First State Bank
6th And Washington, Ryan, OK 73565
June 01, 1894
Full Service Brick and Mortar
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