The First State Bank of Pond Creek, Oklahoma

The First State Bank of Pond Creek, Oklahoma is headquartered in Pond Creek and is the 191^st largest bank in the state of Oklahoma. It is also the 6,370^th largest bank in the nation. It was established in 1893 and as of March of 2012, it had grown to 13 employees at 2 locations. The First State Bank of Pond Creek, Oklahoma has a 4-star health rating.

Data for Q1 2012

Institution Statistics The First State Bank of Pond Creek, Oklahoma FDIC Certificate # 11527 BankRate Report View Year Established 1893 Employees 13 Primary Regulator FDIC Assets and Liabilities Assets $49.90 million Loans $25.30 million Deposits $46.07 million Equity Capital $3.80 million Loan Loss Allowance $617,000 Unbacked Noncurrent Loans $386,000 Historic Data - March 2011 Assets $43.39 million Equity Capital $3.33 million Loan Loss Allowance $657,000 Unbacked Noncurrent Loans $293,000 Real Estate Owned $19,000 Profit Margin - Quarterly Net Interest Margin 3.46% Return on Assets 1.34% Return on Equity 16.81% Interest Income $503,000

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 The First State Bank of Pond Creek, Oklahoma had $386,000 in non-current loans and owned real-estate with $4.42 million in equity and loan loss allowances on hand to cover it. This gives The First State Bank of Pond Creek, Oklahoma a Texas Ratio of 8.74% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The First State Bank of Pond Creek, Oklahoma held steady from 7.83% as of March 31, 2011 to 8.74% as of March 31, 2012, resulting in a negative change of 11.72%. This indicates that the balance sheet and financial strength for The First State Bank of Pond Creek, Oklahoma has held steady in recent periods. Deposit Growth In the past year, The First State Bank of Pond Creek, Oklahoma has increased its total deposits by $6.04 million, resulting in 15.09% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The First State Bank of Pond Creek, Oklahoma has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The First State Bank of Pond Creek, Oklahoma has $49.9 million in assets with $4.42 million in equity, resulting in a capitalization level of 8.85%, which is average.

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