First Bank & Trust Company in Perry, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 13946
    Status: Active
    Federal Reserve ID: 640956
    Bank Holding Company (Regulatory Top Holder): Fnbt Bancshares, Perry, Ok, Inc. (RSSDID: 1138133, Location: Perry, OK)
    Date Established: Febuary 21, 1934
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 8722
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: Febuary 21, 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: 407 7th Street, Perry, OK 73077
    County: Noble
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Tulsa
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $133.7 mil
    Equity capital: $16.9 mil
    Deposits held in domestic offices: $116.7 mil
    Return on assets (ROA): 1.16% ($1.6 mil)
    Quarterly return on assets: 1.21% ($1.6 mil)
    Return on Equity (ROE): 8.97% ($1.5 mil)
    Quarterly return on equity: 9.63% ($1.6 mil)
    Net income: $1.5 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.16% ($1,551.3 mil)
    Quarterly Pretax return on assets: 1.21% ($1,618.2 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
  • 41Total employees (full-time equivalent)
  • $133,735Total assets
  • $18,263Cash and due from depository institutions
  • $15,847Interest-bearing balances
  • $50,686Securities
  • $2,476Federal funds sold & reverse repurchase agreements
  • $59,470Net loans & leases
  • $804Loan loss allowance
  • $0Trading account assets
  • $1,148Bank premises and fixed assets
  • $220Other real estate owned
  • $0Goodwill and other intangibles
  • $133,735Life insurance assets
  • $1,472All other assets
  • $116,821Total liabilities and capital
  • $116,664Total liabilities
  • $96,863Total deposits
  • $116,664Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $157Subordinated debt
  • $16,914All other liabilities
  • $16,914Total equity capital
  • $16,914Total bank equity capital
  • $0Perpetual preferred stock
  • $800Common stock
  • $800Surplus
  • $15,314Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $359Income earned, not collected on loans
  • $0Earning assets
  • $773Long-term assets (5+ years)
  • $128,479Average Assets, year-to-date
  • $33,209Average Assets, quarterly
  • $127,115Volatile liabilities
  • $134,270Insider loans
  • $67,904FHLB advances
  • $137,165Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $15,747Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $12,370Restructured Loans and leases
  • $2,711Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,238Total interest income
  • $698Total interest expense
  • $4,540Net interest income
  • $150Provision for loan and lease losses
  • $772Total noninterest income
  • $1Fiduciary activities
  • $459Service charges on deposit accounts
  • $0Trading account gains & fees
  • $312Additional noninterest income
  • $3,689Total noninterest expense
  • $1,970Salaries and employee benefits
  • $325Premises and equipment expense
  • $1,394Additional noninterest expense
  • $1,473Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,473Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,473Net income attributable to bank
  • $0Net charge-offs
  • $1,473Cash dividends
  • $14Sale, conversion, retirement of capital stock, net
  • $1,320Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.31%Yield on earning assets
  • 0.57%Cost of funding earning assets
  • 3.73%Net interest margin
  • 0.63%Noninterest income to earning assets
  • 3.03%Noninterest expense to earning assets
  • 1.16%Net operating income to assets
  • 1.16%Return on assets (ROA)
  • 1.16%Pretax return on assets
  • 8.97%Return on equity (ROE)
  • 0.93%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 1071.43%Credit loss provision to net charge-offs
  • 115.93%Efficiency ratio
  • 69,447Assets per employee
  • 3.26%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 89.61%Loss allowance to loans
  • 1.33%Loss allowance to noncurrent loans
  • 223.96%Noncurrent assets plus other real estate owned to assets
  • 0.43%Noncurrent loans to loans
  • 0.60%Net loans and leases to deposits
  • 50.98%Net loans and leases to core deposits
  • 52.84%Equity capital to assets
  • 12.65%Core capital (leverage) ratio
  • 11.48%Tier 1 risk-based capital ratio
  • 23.19%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $127,115Average earning assets
  • $16,428Average equity
  • $121,647Average 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
  • $13,926Managed Assets
  • 1Number of Accounts
  • $13,926Personal trust and agency accounts
  • $13,235Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $691Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 8Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 3 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08722First Bank & Trust Company407 7th Street, Perry, OK 73077Febuary 21, 1934Full Service Brick and Mortar
    16083Billings Branch111 West Main Street, Billings, OK 74630January 01, 1800Full Service Brick and Mortar
    2234970Covington Branch4th And Main Streets, Covington, OK 73730July 11, 1997Full Service Brick and Mortar

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