FDIC Certificate #: 12585 Status: Active Federal Reserve ID: 877958 Bank Holding Company (Regulatory Top Holder): Hopeton Bancshares, Inc. (RSSDID: 1992661, Location: Hopeton, OK) Date Established: January 01, 1919 WWW:http://www.hopetonbank.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) FDIC's unique #: 7993 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: U.S. Highway 281, Hopeton, OK 73746 County: Woods 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: $24.3 mil Equity capital: $5.2 mil Deposits held in domestic offices: $18.9 mil Return on assets (ROA): 0.97% ($0.2 mil) Quarterly return on assets: 0.87% ($0.2 mil) Return on Equity (ROE): 4.73% ($0.2 mil) Quarterly return on equity: 4.07% ($0.2 mil) Net income: $0.2 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.27% ($65.6 mil) Quarterly Pretax return on assets: 0.15% ($36.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
6Total employees (full-time equivalent)
$24,307Total assets
$447Cash and due from depository institutions
$3Interest-bearing balances
$17,537Securities
$0Federal funds sold & reverse repurchase agreements
$5,570Net loans & leases
$113Loan loss allowance
$0Trading account assets
$306Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$24,307Life insurance assets
$447All other assets
$19,140Total liabilities and capital
$18,901Total liabilities
$15,344Total deposits
$18,901Interest-bearing deposits
$100Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$239Subordinated debt
$5,167All other liabilities
$5,167Total equity capital
$5,167Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$900Surplus
$4,167Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$185Income earned, not collected on loans
$0Earning assets
$267Long-term assets (5+ years)
$23,110Average Assets, year-to-date
$12,392Average Assets, quarterly
$23,268Volatile liabilities
$24,017Insider loans
$8,629FHLB advances
$23,629Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,726Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$526Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$897Total interest income
$129Total interest expense
$768Net interest income
$0Provision for loan and lease losses
$79Total noninterest income
$0Fiduciary activities
$57Service charges on deposit accounts
$0Trading account gains & fees
$22Additional noninterest income
$794Total noninterest expense
$355Salaries and employee benefits
$66Premises and equipment expense
$373Additional noninterest expense
$53Pre-tax net operating income
$10Securities gains (losses)
-$163Applicable income taxes
$226Income before extraordinary items
$0Extraordinary gains - net
$226Net income attributable to bank
$0Net charge-offs
$226Cash dividends
-$34Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.05%Yield on earning assets
0.58%Cost of funding earning assets
3.46%Net interest margin
0.36%Noninterest income to earning assets
3.58%Noninterest expense to earning assets
0.93%Net operating income to assets
0.97%Return on assets (ROA)
0.27%Pretax return on assets
4.73%Return on equity (ROE)
4.73%Retained earnings to average equity (YTD only)
-0.64%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
93,743Assets per employee
4.05%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.99%Loss allowance to noncurrent loans
61.08%Noncurrent assets plus other real estate owned to assets
0.76%Noncurrent loans to loans
3.26%Net loans and leases to deposits
29.47%Net loans and leases to core deposits
30.28%Equity capital to assets
21.26%Core capital (leverage) ratio
20.00%Tier 1 risk-based capital ratio
54.77%Total risk-based capital ratio
Memoranda
$56Average assets
$23,268Average earning assets
$4,776Average equity
$22,166Average loans
List of branches
1 Oklahoma Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
7993
The Hopeton State Bank
U.S. Highway 281, Hopeton, OK 73746
January 01, 1919
Full Service Brick and Mortar
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