First Bank & Trust Co. in Duncan, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Bank & Trust Co. - Overview

  • General
  • FDIC Certificate #: 27394
    Status: Active
    Federal Reserve ID: 1228034
    Date Established: December 08, 1988
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 10 (Domestic: 10, Interstate: No)
    FDIC's unique #: 39837
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: December 08, 1988
    Last Structure Change Effective Date: April 11, 2008
    Last Structure Change Process Date: April 16, 2008
    Last Data Update: April 16, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 923-925 Main Street, Duncan, OK 73533
    County: Stephens
    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): Duncan, OK (#20340)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $489.9 mil
    Equity capital: $58.9 mil
    Deposits held in domestic offices: $430.5 mil
    Return on assets (ROA): 1.33% ($6.5 mil)
    Quarterly return on assets: 1.79% ($8.8 mil)
    Return on Equity (ROE): 12.00% ($7.1 mil)
    Quarterly return on equity: 15.89% ($9.4 mil)
    Net income: $6.8 mil
    Quarterly Net income: $2.3 mil
    Pretax return on assets: 1.33% ($6,515.9 mil)
    Quarterly Pretax return on assets: 1.79% ($8,769.5 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
  • 152Total employees (full-time equivalent)
  • $489,917Total assets
  • $77,968Cash and due from depository institutions
  • $74,974Interest-bearing balances
  • $36,886Securities
  • $17,635Federal funds sold & reverse repurchase agreements
  • $330,251Net loans & leases
  • $4,022Loan loss allowance
  • $0Trading account assets
  • $14,525Bank premises and fixed assets
  • $6,612Other real estate owned
  • $811Goodwill and other intangibles
  • $489,917Life insurance assets
  • $5,229All other assets
  • $431,055Total liabilities and capital
  • $430,538Total liabilities
  • $328,818Total deposits
  • $430,538Interest-bearing deposits
  • $75Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $517Subordinated debt
  • $58,862All other liabilities
  • $58,862Total equity capital
  • $58,862Total bank equity capital
  • $0Perpetual preferred stock
  • $1,229Common stock
  • $1,364Surplus
  • $56,269Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $11,264Income earned, not collected on loans
  • $0Earning assets
  • $2,138Long-term assets (5+ years)
  • $459,746Average Assets, year-to-date
  • $1,283Average Assets, quarterly
  • $513,914Volatile liabilities
  • $513,804Insider loans
  • $332,945FHLB advances
  • $509,977Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $57,943Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $26,028Restructured Loans and leases
  • $1,450Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $21,669Total interest income
  • $2,880Total interest expense
  • $18,789Net interest income
  • $1,896Provision for loan and lease losses
  • $4,354Total noninterest income
  • $337Fiduciary activities
  • $2,064Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,953Additional noninterest income
  • $14,433Total noninterest expense
  • $7,417Salaries and employee benefits
  • $2,376Premises and equipment expense
  • $4,640Additional noninterest expense
  • $6,814Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $6,814Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,814Net income attributable to bank
  • $0Net charge-offs
  • $6,814Cash dividends
  • $1,403Sale, conversion, retirement of capital stock, net
  • $3,508Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.49%Yield on earning assets
  • 0.60%Cost of funding earning assets
  • 3.89%Net interest margin
  • 0.90%Noninterest income to earning assets
  • 2.99%Noninterest expense to earning assets
  • 1.33%Net operating income to assets
  • 1.33%Return on assets (ROA)
  • 1.33%Pretax return on assets
  • 12.00%Return on equity (ROE)
  • 5.82%Retained earnings to average equity (YTD only)
  • 0.41%Net charge-offs to loans
  • 135.14%Credit loss provision to net charge-offs
  • 6.21%Efficiency ratio
  • 61,764Assets per employee
  • 3.22%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 51.48%Loss allowance to loans
  • 1.20%Loss allowance to noncurrent loans
  • 35.71%Noncurrent assets plus other real estate owned to assets
  • 3.65%Noncurrent loans to loans
  • 3.37%Net loans and leases to deposits
  • 76.71%Net loans and leases to core deposits
  • 87.63%Equity capital to assets
  • 12.01%Core capital (leverage) ratio
  • 11.36%Tier 1 risk-based capital ratio
  • 17.40%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $513,914Average earning assets
  • $56,804Average equity
  • $483,094Average 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
  • $81,523Managed Assets
  • 1Number of Accounts
  • $58,976Personal trust and agency accounts
  • $9,210Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $6,633Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $43,133Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 177Number of Accounts
  • $0Personal trust and agency accounts
  • $6,628Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $22,547Other retirement accounts
  • $0Corporate trust and agency accounts
  • $18,792Other fiduciary accounts
  • $405Fiduciary accounts held in foreign offices

List of branches

  • 10 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    039837First Bank & Trust Co.923-925 Main Street, Duncan, OK 73533December 08, 1988Full Service Brick and Mortar
    3202283Drive-In Branch10th And Oak Streets, Duncan, OK 73533August 28, 1974Limited Service Facility
    5261926Duncan Branch1521 W Plato, Duncan, OK 73533December 08, 1988Full Service Brick and Mortar
    6335Healdton Branch313 West Main Street, Healdton, OK 73438January 01, 1917Full Service Brick and Mortar
    713090Ardmore Branch301 West Main Street, Ardmore, OK 73401November 09, 1964Full Service Brick and Mortar
    9424629Norman Branch2330 36th Avenue Northwest, Norman, OK 73072August 18, 2003Full Service Brick and Mortar
    10452393Ardmore West Branch1720 Mclish, Ardmore, OK 73401December 17, 1999Full Service Retail
    11467633Norman-Alameda Branch2400 Alameda, Norman, OK 73071July 17, 2006Full Service Brick and Mortar
    122772The Waurika National Bank Branch101 North Main Street, Waurika, OK 73573November 16, 1907Full Service Brick and Mortar
    13493777Ardmore East Sam Noble Branch1321 Sam Noble Parkway, Ardmore, OK 73401November 01, 2008Full Service Brick and Mortar

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