First Bank & Trust Company in Wagoner, Oklahoma (OK)

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First Bank & Trust Company
GeneralFDIC 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
LocationAddress: 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 ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal 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)
Total employees (full-time equivalent)63
Total assets$271,832
Cash and due from depository institutions$13,184
Interest-bearing balances$6,429
Federal funds sold & reverse repurchase agreements$45,881
Net loans & leases$201,709
Loan loss allowance $3,888
Trading account assets$0
Bank premises and fixed assets$1,703
Other real estate owned$706
Goodwill and other intangibles$1,630
All other assets$3,384
Life insurance assets$271,832
Total liabilities and capital$247,011
Total liabilities$246,736
Total deposits$218,200
Interest-bearing deposits$246,736
Deposits held in domestic offices$71
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $275
All other liabilities $24,821
Total equity capital$24,821
Total bank equity capital$24,821
Perpetual preferred stock$0
Common stock$675
Undivided profits $20,396
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,234
Earning assets $0
Long-term assets (5+ years) $1,160
Average Assets, year-to-date $257,654
Average Assets, quarterly $50,577
Volatile liabilities $246,926
Insider loans $253,891
FHLB advances $189,889
Loans and leases held for sale $244,278
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $23,128
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $23,520
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $12,180
Total interest expense $1,893
Net interest income $10,287
Provision for loan and lease losses $1,335
Total noninterest income $485
Fiduciary activities $0
Service charges on deposit accounts $711
Trading account gains & fees $0
Additional noninterest income -$226
Total noninterest expense $6,046
Salaries and employee benefits $3,339
Premises and equipment expense $808
Additional noninterest expense $1,899
Pre-tax net operating income $3,391
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $3,391
Extraordinary gains - net $0
Net income attributable to bank $3,391
Net charge-offs $0
Cash dividends $3,391
Sale, conversion, retirement of capital stock, net $713
Net operating income $3,270
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.24%
Cost of funding earning assets 0.81%
Net interest margin 4.42%
Noninterest income to earning assets 0.21%
Noninterest expense to earning assets 2.60%
Net operating income to assets 1.37%
Return on assets (ROA) 1.37%
Pretax return on assets 1.37%
Return on equity (ROE) 13.54%
Retained earnings to average equity (YTD only) 0.48%
Net charge-offs to loans 0.35%
Credit loss provision to net charge-offs 187.24%
Efficiency ratio6.63%
Assets per employee$56,127
Cash dividends to net income (YTD only)4.31%
Condition Ratios (%)
Loss allowance to loans 96.43%
Loss allowance to noncurrent loans 1.89%
Noncurrent assets plus other real estate owned to assets 315.07%
Noncurrent loans to loans 0.71%
Net loans and leases to deposits0.60%
Net loans and leases to core deposits 81.75%
Equity capital to assets 92.51%
Core capital (leverage) ratio 9.13%
Tier 1 risk-based capital ratio 9.47%
Total risk-based capital ratio 12.18%
Average assets$13
Average earning assets$246,926
Average equity $25,042
Average loans $232,642
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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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