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

This bank is inactive as of January 01, 2000

The Prague National Bank in Prague, Oklahoma (OK)
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The Prague National Bank - Overview

General
FDIC Certificate #: 4184
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Vision Bank, National Association (#4029)
Federal Reserve ID: 646154
Date Established: April 05, 1906
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 2 (Interstate: No)
OTS Docket #: 14178
FDIC's unique #: 2738
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: January 01, 2000
Last Structure Change Process Date: Febuary 02, 2000
Last Data Update: Febuary 02, 2000
Data Source Date: April 05, 2012
Location
Address: 820-824 Broadway, Prague, OK 74864
County: Lincoln
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
Combined Statistical Area (CSA): Oklahoma City-Shawnee, OK (#416)
Core Based Statistical Area (CBSA): Oklahoma City, OK (#36420)
CBSA Metro Statistical Area: Oklahoma City, OK (#36420)
Financial Summary
Total assets: $73.5 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
37Total employees (full-time equivalent)
$73,489Total assets
$2,332Cash and due from depository institutions
$26Interest-bearing balances
$44,342Securities
$0Federal funds sold & reverse repurchase agreements
$24,275Net loans & leases
$416Loan loss allowance
$0Trading account assets
$1,157Bank premises and fixed assets
$115Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,268All other assets
$73,489Total liabilities and capital
$67,628Total liabilities
$63,198Total deposits
$56,167Interest-bearing deposits
$63,198Deposits held in domestic offices
0.00%% insured (estimated)
$83Federal funds purchased & repurchase agreements
$0Trading liabilities
$4,000Other borrowed funds
$0Subordinated debt
$347All other liabilities
$5,861Total equity capital
$5,861Total bank equity capital
$5,861Perpetual preferred stock
$0Common stock
$200Surplus
$800Undivided profits
Memoranda
$4,861Noncurrent loans and leases
$2,608Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$626Earning assets
$0Long-term assets (5+ years)
$243Average Assets, year-to-date
$68,643Average Assets, quarterly
$21,793Volatile liabilities
$75,238Insider loans
$75,359FHLB advances
$8,705Loans and leases held for sale
$2,007Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$2,608Total unused commitments
$0Restructured Loans and leases
$408Derivatives

Income and Expense (December 31, 1999)

Dollar figures in thousands
$5,141Total interest income
$2,755Total interest expense
$2,386Net interest income
$62Provision for loan and lease losses
$583Total noninterest income
$0Fiduciary activities
$328Service charges on deposit accounts
$0Trading account gains & fees
$255Additional noninterest income
$1,951Total noninterest expense
$1,159Salaries and employee benefits
$284Premises and equipment expense
$508Additional noninterest expense
$956Pre-tax net operating income
-$52Securities gains (losses)
$231Applicable income taxes
$673Income before extraordinary items
$0Extraordinary gains - net
$673Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$46Sale, conversion, retirement of capital stock, net
$850Net operating income

Performance and Condition Ratios (December 31, 1999)

Dollar figures in thousands
Performance Ratios (%, annualized)
7.20%Yield on earning assets
3.86%Cost of funding earning assets
3.34%Net interest margin
0.82%Noninterest income to earning assets
2.73%Noninterest expense to earning assets
0.95%Net operating income to assets
0.89%Return on assets (ROA)
1.20%Pretax return on assets
10.62%Return on equity (ROE)
-2.79%Retained earnings to average equity (YTD only)
0.19%Net charge-offs to loans
134.78%Credit loss provision to net charge-offs
22.13%Efficiency ratio
65,712Assets per employee
1.99%Cash dividends to net income (YTD only)
Condition Ratios (%)
126.30%Loss allowance to loans
1.68%Loss allowance to noncurrent loans
66.45%Noncurrent assets plus other real estate owned to assets
1.01%Noncurrent loans to loans
2.54%Net loans and leases to deposits
38.41%Net loans and leases to core deposits
42.91%Equity capital to assets
7.98%Core capital (leverage) ratio
8.36%Tier 1 risk-based capital ratio
19.75%Total risk-based capital ratio
Memoranda
$21Average assets
$75,238Average earning assets
$6,336Average equity
$71,398Average loans

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