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

First Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 4219
    Status: Active
    Federal Reserve ID: 351850
    Bank Holding Company (Regulatory Top Holder): First Wagoner Corporation (RSSDID: 1050851, Location: Wagoner, OK)
    Date Established: January 01, 1895
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 8 (Domestic: 8, Interstate: No)
    OTS Docket #: 15944
    FDIC's unique #: 2770
    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: January 01, 1934
    Last Structure Change Effective Date: December 31, 2008
    Last Structure Change Process Date: Febuary 04, 2009
    Last Data Update: Febuary 04, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 111 Casaver Street, Wagoner, OK 74467
    County: Wagoner
    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
    Metropolitan Statistical Area (MSA): Tulsa, OK (#8560)
    Combined Statistical Area (CSA): Tulsa-Bartlesville, OK (#538)
    Core Based Statistical Area (CBSA): Tulsa, OK (#46140)
    CBSA Metro Statistical Area: Tulsa, OK (#46140)
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $271.8 mil
    Equity capital: $24.8 mil
    Deposits held in domestic offices: $246.7 mil
    Return on assets (ROA): 1.37% ($3.7 mil)
    Quarterly return on assets: 0.80% ($2.2 mil)
    Return on Equity (ROE): 13.54% ($3.4 mil)
    Quarterly return on equity: 8.10% ($2.0 mil)
    Net income: $3.4 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.37% ($3,724.1 mil)
    Quarterly Pretax return on assets: 0.80% ($2,174.7 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
  • 63Total employees (full-time equivalent)
  • $271,832Total assets
  • $13,184Cash and due from depository institutions
  • $6,429Interest-bearing balances
  • $3,635Securities
  • $45,881Federal funds sold & reverse repurchase agreements
  • $201,709Net loans & leases
  • $3,888Loan loss allowance
  • $0Trading account assets
  • $1,703Bank premises and fixed assets
  • $706Other real estate owned
  • $1,630Goodwill and other intangibles
  • $271,832Life insurance assets
  • $3,384All other assets
  • $247,011Total liabilities and capital
  • $246,736Total liabilities
  • $218,200Total deposits
  • $246,736Interest-bearing deposits
  • $71Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $275Subordinated debt
  • $24,821All other liabilities
  • $24,821Total equity capital
  • $24,821Total bank equity capital
  • $0Perpetual preferred stock
  • $675Common stock
  • $3,750Surplus
  • $20,396Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,234Income earned, not collected on loans
  • $0Earning assets
  • $1,160Long-term assets (5+ years)
  • $257,654Average Assets, year-to-date
  • $50,577Average Assets, quarterly
  • $246,926Volatile liabilities
  • $253,891Insider loans
  • $189,889FHLB advances
  • $244,278Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $23,128Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $23,520Restructured Loans and leases
  • $332Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,180Total interest income
  • $1,893Total interest expense
  • $10,287Net interest income
  • $1,335Provision for loan and lease losses
  • $485Total noninterest income
  • $0Fiduciary activities
  • $711Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$226Additional noninterest income
  • $6,046Total noninterest expense
  • $3,339Salaries and employee benefits
  • $808Premises and equipment expense
  • $1,899Additional noninterest expense
  • $3,391Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $3,391Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,391Net income attributable to bank
  • $0Net charge-offs
  • $3,391Cash dividends
  • $713Sale, conversion, retirement of capital stock, net
  • $3,270Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.24%Yield on earning assets
  • 0.81%Cost of funding earning assets
  • 4.42%Net interest margin
  • 0.21%Noninterest income to earning assets
  • 2.60%Noninterest expense to earning assets
  • 1.37%Net operating income to assets
  • 1.37%Return on assets (ROA)
  • 1.37%Pretax return on assets
  • 13.54%Return on equity (ROE)
  • 0.48%Retained earnings to average equity (YTD only)
  • 0.35%Net charge-offs to loans
  • 187.24%Credit loss provision to net charge-offs
  • 6.63%Efficiency ratio
  • 56,127Assets per employee
  • 4.31%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 96.43%Loss allowance to loans
  • 1.89%Loss allowance to noncurrent loans
  • 315.07%Noncurrent assets plus other real estate owned to assets
  • 0.71%Noncurrent loans to loans
  • 0.60%Net loans and leases to deposits
  • 81.75%Net loans and leases to core deposits
  • 92.51%Equity capital to assets
  • 9.13%Core capital (leverage) ratio
  • 9.47%Tier 1 risk-based capital ratio
  • 12.18%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $246,926Average earning assets
  • $25,042Average equity
  • $232,642Average loans

List of branches

  • 8 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02770First Bank & Trust Company111 Casaver Street, Wagoner, OK 74467January 01, 1895Full Service Brick and Mortar
    1202413Drive-In Facility309-311 Church Street, Wagoner, OK 74467August 04, 1978Limited Service Facility
    22699Luther Branch108 South Main Street, Luther, OK 73054January 01, 1800Full Service Brick and Mortar
    3202318Detached Drive-In Facility112 South Ash, Luther, OK 73054March 05, 1982Limited Service Facility
    4470378East 61st Street Branch2431 East 61st Street, Suite 425, Tulsa, OK 74136January 07, 2008Full Service Brick and Mortar
    5322Ketchum Branch110 West Ketchum Avenue, Ketchum, OK 74349January 01, 1913Full Service Brick and Mortar
    6181619Disney Branch249 E. Main, Disney, OK 74340June 15, 1984Full Service Brick and Mortar
    7495552Grove Branch1015 S. Main Street, Grove, OK 74344October 07, 2009Full Service Brick and Mortar

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