FDIC Certificate #: 9470 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First National Bank and Trust Company (#25738) Federal Reserve ID: 895158 Date Established: January 01, 1915 WWW:http://www.gsbbank.com Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 4 (Interstate: No) FDIC's unique #: 6086 Numeric code: 13 Regulator: FED Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: July 29, 2006 Last Structure Change Process Date: September 12, 2006 Last Data Update: September 12, 2006 Data Source Date: April 05, 2012
Location
Address: 6702 Quanah Parker Trailway, Lawton, OK 73506 County: Comanche 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 Metropolitan Statistical Area (MSA): Lawton, OK (#4200) Core Based Statistical Area (CBSA): Lawton, OK (#30020) CBSA Metro Statistical Area: Lawton, OK (#30020)
Financial Summary
Total assets: $54.1 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2005)
Dollar figures in thousands
34Total employees (full-time equivalent)
$51,982Total assets
$1,392Cash and due from depository institutions
$130Interest-bearing balances
$3,026Securities
$2,363Federal funds sold & reverse repurchase agreements
$39,760Net loans & leases
$244Loan loss allowance
$0Trading account assets
$3,208Bank premises and fixed assets
$155Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$2,078All other assets
$51,982Total liabilities and capital
$47,189Total liabilities
$43,103Total deposits
$35,581Interest-bearing deposits
$43,103Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$3,750Other borrowed funds
$0Subordinated debt
$336All other liabilities
$4,793Total equity capital
$4,793Total bank equity capital
$4,793Perpetual preferred stock
$0Common stock
$300Surplus
$3,500Undivided profits
Memoranda
$993Noncurrent loans and leases
$3,119Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$168Earning assets
$0Long-term assets (5+ years)
$396Average Assets, year-to-date
$45,279Average Assets, quarterly
$8,048Volatile liabilities
$53,665Insider loans
$52,118FHLB advances
$9,418Loans and leases held for sale
$573Unused loan commitments
$3,750Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$3,119Total unused commitments
$0Restructured Loans and leases
$244Derivatives
Income and Expense (December 31, 2005)
Dollar figures in thousands
$3,900Total interest income
$996Total interest expense
$2,904Net interest income
$60Provision for loan and lease losses
$633Total noninterest income
$0Fiduciary activities
$424Service charges on deposit accounts
$0Trading account gains & fees
$209Additional noninterest income
$2,895Total noninterest expense
$1,523Salaries and employee benefits
$508Premises and equipment expense
$864Additional noninterest expense
$582Pre-tax net operating income
$0Securities gains (losses)
$175Applicable income taxes
$407Income before extraordinary items
$0Extraordinary gains - net
$407Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$56Sale, conversion, retirement of capital stock, net
$180Net operating income
Performance and Condition Ratios (December 31, 2005)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.43%Yield on earning assets
2.15%Cost of funding earning assets
6.28%Net interest margin
1.37%Noninterest income to earning assets
6.26%Noninterest expense to earning assets
0.76%Net operating income to assets
0.76%Return on assets (ROA)
1.08%Pretax return on assets
8.64%Return on equity (ROE)
4.82%Retained earnings to average equity (YTD only)
0.13%Net charge-offs to loans
107.14%Credit loss provision to net charge-offs
11.46%Efficiency ratio
81,849Assets per employee
1.53%Cash dividends to net income (YTD only)
Condition Ratios (%)
44.23%Loss allowance to loans
0.61%Loss allowance to noncurrent loans
145.24%Noncurrent assets plus other real estate owned to assets
0.62%Noncurrent loans to loans
0.42%Net loans and leases to deposits
92.24%Net loans and leases to core deposits
114.63%Equity capital to assets
9.22%Core capital (leverage) ratio
9.27%Tier 1 risk-based capital ratio
11.86%Total risk-based capital ratio
Memoranda
$12Average assets
$53,665Average earning assets
$4,710Average equity
$46,258Average loans
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