Exchange National Bank and Trust Company in Ardmore, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 16, 1998

  • Exchange National Bank and Trust Company in Ardmore, Oklahoma (OK)
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Exchange National Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 4038
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: BancFirst (#27476)
    Federal Reserve ID: 46259
    Date Established: October 22, 1917
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 5 (Interstate: No)
    OTS Docket #: 10236
    FDIC's unique #: 2617
    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: October 16, 1998
    Last Structure Change Process Date: October 29, 1998
    Last Data Update: October 29, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 310 West Main, Ardmore, OK 73401
    County: Carter
    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
    Core Based Statistical Area (CBSA): Ardmore, OK (#11620)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $188.0 mil

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

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 90Total employees (full-time equivalent)
  • $200,994Total assets
  • $11,273Cash and due from depository institutions
  • $8Interest-bearing balances
  • $82,117Securities
  • $7,662Federal funds sold & reverse repurchase agreements
  • $96,449Net loans & leases
  • $860Loan loss allowance
  • $0Trading account assets
  • $1,021Bank premises and fixed assets
  • $15Other real estate owned
  • $25Goodwill and other intangibles
  • $0Life insurance assets
  • $2,432All other assets
  • $200,994Total liabilities and capital
  • $186,318Total liabilities
  • $172,369Total deposits
  • $146,523Interest-bearing deposits
  • $172,369Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $11,785Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $1,000Other borrowed funds
  • $0Subordinated debt
  • $1,164All other liabilities
  • $14,676Total equity capital
  • $14,676Total bank equity capital
  • $14,676Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $1,000Undivided profits
  • Memoranda
  • $12,676Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $478Earning assets
  • $0Long-term assets (5+ years)
  • $903Average Assets, year-to-date
  • $186,236Average Assets, quarterly
  • $21,654Volatile liabilities
  • $197,788Insider loans
  • $195,337FHLB advances
  • $35,037Loans and leases held for sale
  • $3,626Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $12,466Total unused commitments
  • $0Restructured Loans and leases
  • $109,413Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $14,279Total interest income
  • $6,676Total interest expense
  • $7,603Net interest income
  • $820Provision for loan and lease losses
  • $1,570Total noninterest income
  • $495Fiduciary activities
  • $793Service charges on deposit accounts
  • $0Trading account gains & fees
  • $282Additional noninterest income
  • $5,760Total noninterest expense
  • $2,918Salaries and employee benefits
  • $935Premises and equipment expense
  • $1,907Additional noninterest expense
  • $2,593Pre-tax net operating income
  • $0Securities gains (losses)
  • $729Applicable income taxes
  • $1,864Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,864Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $620Sale, conversion, retirement of capital stock, net
  • $1,661Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.75%Yield on earning assets
  • 3.62%Cost of funding earning assets
  • 4.13%Net interest margin
  • 0.85%Noninterest income to earning assets
  • 3.13%Noninterest expense to earning assets
  • 0.94%Net operating income to assets
  • 0.94%Return on assets (ROA)
  • 1.31%Pretax return on assets
  • 12.71%Return on equity (ROE)
  • 1.38%Retained earnings to average equity (YTD only)
  • 0.65%Net charge-offs to loans
  • 132.26%Credit loss provision to net charge-offs
  • 5.50%Efficiency ratio
  • 62,520Assets per employee
  • 2.23%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 89.11%Loss allowance to loans
  • 0.88%Loss allowance to noncurrent loans
  • 179.92%Noncurrent assets plus other real estate owned to assets
  • 0.25%Noncurrent loans to loans
  • 0.49%Net loans and leases to deposits
  • 55.95%Net loans and leases to core deposits
  • 64.25%Equity capital to assets
  • 7.30%Core capital (leverage) ratio
  • 7.54%Tier 1 risk-based capital ratio
  • 13.29%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $197,788Average earning assets
  • $14,667Average equity
  • $184,270Average loans

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