Edmond Bank and Trust in Edmond, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 17, 2006

  • Edmond Bank and Trust in Edmond, Oklahoma (OK)
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Edmond Bank and Trust - Overview

  • General
  • FDIC Certificate #: 34996
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Fidelity Bank, National Association (#23473)
    Federal Reserve ID: 2700322
    Date Established: September 17, 1999
    WWW: http://www.edmondbank.com
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 2 (Interstate: No)
    FDIC's unique #: 73818
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: September 17, 1999
    Last Structure Change Effective Date: November 17, 2006
    Last Structure Change Process Date: January 18, 2007
    Last Data Update: January 18, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 2600 South Broadway, Edmond, OK 73013
    County: Oklahoma
    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): Oklahoma City, OK (#5880)
    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: $92.4 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, 2005)

  • Dollar figures in thousands
  • 25Total employees (full-time equivalent)
  • $77,819Total assets
  • $1,940Cash and due from depository institutions
  • $0Interest-bearing balances
  • $1,983Securities
  • $20Federal funds sold & reverse repurchase agreements
  • $71,451Net loans & leases
  • $877Loan loss allowance
  • $0Trading account assets
  • $1,026Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,399All other assets
  • $77,819Total liabilities and capital
  • $68,459Total liabilities
  • $66,382Total deposits
  • $56,804Interest-bearing deposits
  • $66,382Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $1,935Other borrowed funds
  • $0Subordinated debt
  • $142All other liabilities
  • $9,360Total equity capital
  • $9,360Total bank equity capital
  • $9,360Perpetual preferred stock
  • $0Common stock
  • $2,000Surplus
  • $5,440Undivided profits
  • Memoranda
  • $1,920Noncurrent loans and leases
  • $25,210Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,288Earning assets
  • $751Long-term assets (5+ years)
  • $537Average Assets, year-to-date
  • $73,454Average Assets, quarterly
  • $845Volatile liabilities
  • $74,097Insider loans
  • $76,597FHLB advances
  • $19,367Loans and leases held for sale
  • $882Unused loan commitments
  • $575Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $25,210Total unused commitments
  • $0Restructured Loans and leases
  • $877Derivatives

Income and Expense (December 31, 2005)

  • Dollar figures in thousands
  • $4,977Total interest income
  • $1,642Total interest expense
  • $3,335Net interest income
  • $211Provision for loan and lease losses
  • $612Total noninterest income
  • $0Fiduciary activities
  • $76Service charges on deposit accounts
  • $0Trading account gains & fees
  • $536Additional noninterest income
  • $2,547Total noninterest expense
  • $1,519Salaries and employee benefits
  • $316Premises and equipment expense
  • $712Additional noninterest expense
  • $1,189Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,189Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,189Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $107Sale, conversion, retirement of capital stock, net
  • $671Net operating income

Performance and Condition Ratios (December 31, 2005)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.23%Yield on earning assets
  • 2.39%Cost of funding earning assets
  • 4.85%Net interest margin
  • 0.89%Noninterest income to earning assets
  • 3.70%Noninterest expense to earning assets
  • 1.60%Net operating income to assets
  • 1.60%Return on assets (ROA)
  • 1.60%Pretax return on assets
  • 15.40%Return on equity (ROE)
  • 6.71%Retained earnings to average equity (YTD only)
  • 0.16%Net charge-offs to loans
  • 197.20%Credit loss provision to net charge-offs
  • 13.08%Efficiency ratio
  • 64,530Assets per employee
  • 3.11%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 56.43%Loss allowance to loans
  • 1.21%Loss allowance to noncurrent loans
  • 68.09%Noncurrent assets plus other real estate owned to assets
  • 1.66%Noncurrent loans to loans
  • 1.78%Net loans and leases to deposits
  • 107.64%Net loans and leases to core deposits
  • 147.70%Equity capital to assets
  • 12.03%Core capital (leverage) ratio
  • 12.13%Tier 1 risk-based capital ratio
  • 11.74%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $74,097Average earning assets
  • $7,719Average equity
  • $68,792Average loans

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