The Peoples National Bank in Kingfisher, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 22, 1997

The Peoples National Bank in Kingfisher, Oklahoma (OK)
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The Peoples National Bank - Overview

General
FDIC Certificate #: 4128
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Gold BANK (#413)
Federal Reserve ID: 821755
Date Established: March 01, 1891
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 7 (Interstate: No)
FDIC's unique #: 2692
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: No
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: September 22, 1997
Last Structure Change Process Date: October 03, 1997
Last Data Update: October 03, 1997
Data Source Date: April 05, 2012
Location
Address: 320 North Main Street, Kingfisher, OK 73750
County: Kingfisher
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
Financial Summary
Total assets: $150.5 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

Dollar figures in thousands
0Total employees (full-time equivalent)
$67Total assets
$154,254Cash and due from depository institutions
$5,060Interest-bearing balances
$0Securities
$30,658Federal funds sold & reverse repurchase agreements
$15,500Net loans & leases
$94,857Loan loss allowance
$1,725Trading account assets
$0Bank premises and fixed assets
$4,158Other real estate owned
$280Goodwill and other intangibles
$1,553Life insurance assets
$2,188All other assets
$0Total liabilities and capital
$154,254Total liabilities
$139,538Total deposits
$136,167Interest-bearing deposits
$121,738Deposits held in domestic offices
136167.00%% insured (estimated)
$86Federal funds purchased & repurchase agreements
$1,049Trading liabilities
$0Other borrowed funds
$805Subordinated debt
$0All other liabilities
$1,517Total equity capital
$1,517Total bank equity capital
$14,716Perpetual preferred stock
$0Common stock
$2,200Surplus
$12,022Undivided profits
Memoranda
$494Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,785Income earned, not collected on loans
$1,253Earning assets
$141,015Long-term assets (5+ years)
$6,691Average Assets, year-to-date
$145,415Average Assets, quarterly
$148,584Volatile liabilities
$12,449Insider loans
$0FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$15,352Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$12,430Total risk weighted assets
$102,980Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1996)

Dollar figures in thousands
$0Total interest income
$2,871Total interest expense
$1,326Net interest income
$1,545Provision for loan and lease losses
$120Total noninterest income
$315Fiduciary activities
$19Service charges on deposit accounts
$199Trading account gains & fees
$0Additional noninterest income
$97Total noninterest expense
$1,114Salaries and employee benefits
$611Premises and equipment expense
$182Additional noninterest expense
$321Pre-tax net operating income
$626Securities gains (losses)
$0Applicable income taxes
$230Income before extraordinary items
$396Extraordinary gains - net
$0Net income attributable to bank
$396Net charge-offs
-$97Cash dividends
$400Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1996)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
2.14%Cost of funding earning assets
0.99%Net interest margin
1.15%Noninterest income to earning assets
0.23%Noninterest expense to earning assets
0.83%Net operating income to assets
0.27%Return on assets (ROA)
0.27%Pretax return on assets
0.43%Return on equity (ROE)
3.44%Retained earnings to average equity (YTD only)
-0.03%Net charge-offs to loans
-0.10%Credit loss provision to net charge-offs
-123.71%Efficiency ratio
57,903Assets per employee
2.30%Cash dividends to net income (YTD only)
Condition Ratios (%)
101.01%Loss allowance to loans
1.79%Loss allowance to noncurrent loans
96.64%Noncurrent assets plus other real estate owned to assets
1.34%Noncurrent loans to loans
1.85%Net loans and leases to deposits
69.66%Net loans and leases to core deposits
75.54%Equity capital to assets
9.54%Core capital (leverage) ratio
8.18%Tier 1 risk-based capital ratio
12.07%Total risk-based capital ratio
Memoranda
$13Average assets
$145,415Average earning assets
$11,495Average equity
$134,445Average loans

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