Central National Bank & Trust Co., of Enid in Enid, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches


Central National Bank & Trust Co., of Enid - Overview

  • General
  • FDIC Certificate #: 4091
    Status: Active
    Federal Reserve ID: 278555
    Bank Holding Company (Regulatory Top Holder): Central Service Corporation (RSSDID: 1051465, Location: Enid, OK)
    Date Established: January 01, 1913
    WWW: http://www.cnb-ok.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 10 (Domestic: 10, Interstate: No)
    OTS Docket #: 11591
    FDIC's unique #: 2664
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: Yes
    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: 324 West Broadway, Enid, OK 73701
    County: Garfield
    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): Enid, OK (#2340)
    Core Based Statistical Area (CBSA): Enid, OK (#21420)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $550.8 mil
    Equity capital: $51.5 mil
    Deposits held in domestic offices: $474.6 mil
    Return on assets (ROA): 0.83% ($4.6 mil)
    Quarterly return on assets: 0.86% ($4.7 mil)
    Return on Equity (ROE): 9.45% ($4.8 mil)
    Quarterly return on equity: 9.18% ($4.7 mil)
    Net income: $4.4 mil
    Quarterly Net income: $1.2 mil
    Pretax return on assets: 0.83% ($4,571.6 mil)
    Quarterly Pretax return on assets: 0.86% ($4,736.8 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
  • 176Total employees (full-time equivalent)
  • $550,790Total assets
  • $73,051Cash and due from depository institutions
  • $56,401Interest-bearing balances
  • $71,896Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $384,339Net loans & leases
  • $3,977Loan loss allowance
  • $0Trading account assets
  • $7,213Bank premises and fixed assets
  • $3,668Other real estate owned
  • $1,245Goodwill and other intangibles
  • $550,790Life insurance assets
  • $9,378All other assets
  • $499,337Total liabilities and capital
  • $474,584Total liabilities
  • $383,590Total deposits
  • $474,584Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $22,500Trading liabilities
  • $0Other borrowed funds
  • $2,253Subordinated debt
  • $51,453All other liabilities
  • $51,453Total equity capital
  • $51,453Total bank equity capital
  • $0Perpetual preferred stock
  • $950Common stock
  • $16,925Surplus
  • $33,578Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $18,361Income earned, not collected on loans
  • $231Earning assets
  • $3,466Long-term assets (5+ years)
  • $512,636Average Assets, year-to-date
  • $144,594Average Assets, quarterly
  • $522,894Volatile liabilities
  • $544,915Insider loans
  • $376,722FHLB advances
  • $532,883Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $49,733Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $76,892Restructured Loans and leases
  • $4,718Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $24,370Total interest income
  • $5,569Total interest expense
  • $18,801Net interest income
  • $1,991Provision for loan and lease losses
  • $7,539Total noninterest income
  • $1,367Fiduciary activities
  • $2,448Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,724Additional noninterest income
  • $19,954Total noninterest expense
  • $10,571Salaries and employee benefits
  • $2,580Premises and equipment expense
  • $6,803Additional noninterest expense
  • $4,395Pre-tax net operating income
  • -$33Securities gains (losses)
  • $0Applicable income taxes
  • $4,362Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,362Net income attributable to bank
  • $0Net charge-offs
  • $4,362Cash dividends
  • $2,463Sale, conversion, retirement of capital stock, net
  • $1,984Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.97%Yield on earning assets
  • 1.14%Cost of funding earning assets
  • 3.83%Net interest margin
  • 1.54%Noninterest income to earning assets
  • 4.07%Noninterest expense to earning assets
  • 0.84%Net operating income to assets
  • 0.83%Return on assets (ROA)
  • 0.83%Pretax return on assets
  • 9.45%Return on equity (ROE)
  • 5.15%Retained earnings to average equity (YTD only)
  • 0.65%Net charge-offs to loans
  • 80.84%Credit loss provision to net charge-offs
  • 2.59%Efficiency ratio
  • 75,573Assets per employee
  • 3.13%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 45.48%Loss allowance to loans
  • 1.02%Loss allowance to noncurrent loans
  • 21.66%Noncurrent assets plus other real estate owned to assets
  • 4.00%Noncurrent loans to loans
  • 4.73%Net loans and leases to deposits
  • 80.98%Net loans and leases to core deposits
  • 86.67%Equity capital to assets
  • 9.34%Core capital (leverage) ratio
  • 9.33%Tier 1 risk-based capital ratio
  • 13.20%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $522,894Average earning assets
  • $46,137Average equity
  • $490,250Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $230,801Managed Assets
  • 1Number of Accounts
  • $224,380Personal trust and agency accounts
  • $53,441Employee benefit-defined contribution accounts
  • $6,938Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $40,694Corporate trust and agency accounts
  • $38,986Investment management agency accounts
  • $62,956Other fiduciary accounts
  • $21,340Fiduciary accounts held in foreign offices
  • $25Non-managed Assets
  • 693Number of Accounts
  • $0Personal trust and agency accounts
  • $40,694Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $6,421Other retirement accounts
  • $2,613Corporate trust and agency accounts
  • $870Other fiduciary accounts
  • $2,397Fiduciary accounts held in foreign offices

List of branches

  • 10 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02664Central National Bank & Trust Co., Of Enid324 West Broadway, Enid, OK 73701January 01, 1913Full Service Brick and Mortar
    2202302Drive-In Branch402 West Randolph Street, Enid, OK 73701May 13, 1968Limited Service Facility
    39261Blackwell Branch102 North Main Street, Blackwell, OK 74631September 17, 1934Full Service Brick and Mortar
    4232156Express Branch224 East Blackwell Street, Blackwell, OK 74631September 15, 1970Limited Service Facility
    6168302730 Williams Street Branch2730 Williams Street, Woodward, OK 73801December 17, 1982Full Service Brick and Mortar
    7257008Mooreland Branch127 South Main Street, Mooreland, OK 73852July 31, 1995Full Service Brick and Mortar
    8202304West Willow Branch2219 West Willow, Enid, OK 73703July 20, 1998Full Service Brick and Mortar
    10451174Southeast Washington Boulevard Branc1902 Southeast Washington Boulevard, Bartlesville, OK 74006April 10, 2006Full Service Brick and Mortar
    11473098Tulsa Branch4880 S Lewis Ave, Tulsa, OK 74105Febuary 01, 2008Full Service Brick and Mortar
    12493038Varsity Branch301 S 30th, Suite A, Enid, OK 73701November 07, 2008Full Service Brick and Mortar

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