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


First Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 15348
    Status: Active
    Federal Reserve ID: 157856
    Bank Holding Company (Regulatory Top Holder): Clinton Bancshares, Inc. (RSSDID: 1055593, Location: Clinton, OK)
    Date Established: January 01, 1903
    WWW: http://www.fbtok.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 15563
    FDIC's unique #: 9678
    Numeric code: 13
    Regulator: FED
    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: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: Febuary 01, 1936
    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: 501 Frisco Avenue, Clinton, OK 73601
    County: Custer
    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): Weatherford, OK (#48220)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $62.5 mil
    Equity capital: $5.8 mil
    Deposits held in domestic offices: $51.8 mil
    Return on assets (ROA): 1.43% ($0.9 mil)
    Quarterly return on assets: 1.00% ($0.6 mil)
    Return on Equity (ROE): 15.65% ($0.9 mil)
    Quarterly return on equity: 10.88% ($0.7 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.43% ($894.4 mil)
    Quarterly Pretax return on assets: 1.00% ($625.4 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
  • 18Total employees (full-time equivalent)
  • $62,544Total assets
  • $7,744Cash and due from depository institutions
  • $4,384Interest-bearing balances
  • $24,435Securities
  • $2,853Federal funds sold & reverse repurchase agreements
  • $24,486Net loans & leases
  • $232Loan loss allowance
  • $0Trading account assets
  • $902Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $62,544Life insurance assets
  • $2,124All other assets
  • $56,771Total liabilities and capital
  • $51,773Total liabilities
  • $31,497Total deposits
  • $51,773Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 4853.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $145Subordinated debt
  • $5,773All other liabilities
  • $5,773Total equity capital
  • $5,773Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $800Surplus
  • $4,873Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $44Income earned, not collected on loans
  • $0Earning assets
  • $279Long-term assets (5+ years)
  • $56,158Average Assets, year-to-date
  • $16,673Average Assets, quarterly
  • $60,875Volatile liabilities
  • $62,957Insider loans
  • $21,989FHLB advances
  • $63,160Loans and leases held for sale
  • $1,274Unused loan commitments
  • $1,274Tier 1 (core) risk-based capital
  • $5,301Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,563Restructured Loans and leases
  • $329Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,226Total interest income
  • $223Total interest expense
  • $2,003Net interest income
  • $78Provision for loan and lease losses
  • $858Total noninterest income
  • $155Fiduciary activities
  • $469Service charges on deposit accounts
  • $0Trading account gains & fees
  • $234Additional noninterest income
  • $1,910Total noninterest expense
  • $953Salaries and employee benefits
  • $222Premises and equipment expense
  • $735Additional noninterest expense
  • $873Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $873Income before extraordinary items
  • $0Extraordinary gains - net
  • $873Net income attributable to bank
  • $0Net charge-offs
  • $873Cash dividends
  • $30Sale, conversion, retirement of capital stock, net
  • $368Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.04%Yield on earning assets
  • 0.40%Cost of funding earning assets
  • 3.63%Net interest margin
  • 1.56%Noninterest income to earning assets
  • 3.46%Noninterest expense to earning assets
  • 1.43%Net operating income to assets
  • 1.43%Return on assets (ROA)
  • 1.43%Pretax return on assets
  • 15.65%Return on equity (ROE)
  • 9.05%Retained earnings to average equity (YTD only)
  • 0.14%Net charge-offs to loans
  • 260.00%Credit loss provision to net charge-offs
  • 31.70%Efficiency ratio
  • 66,760Assets per employee
  • 3.47%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 42.15%Loss allowance to loans
  • 0.94%Loss allowance to noncurrent loans
  • 527.27%Noncurrent assets plus other real estate owned to assets
  • 0.07%Noncurrent loans to loans
  • 0.18%Net loans and leases to deposits
  • 47.29%Net loans and leases to core deposits
  • 49.52%Equity capital to assets
  • 9.23%Core capital (leverage) ratio
  • 8.39%Tier 1 risk-based capital ratio
  • 24.11%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $60,875Average earning assets
  • $5,577Average equity
  • $55,124Average 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
  • $29,016Managed Assets
  • 1Number of Accounts
  • $24,207Personal trust and agency accounts
  • $23,073Employee benefit-defined contribution accounts
  • $991Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $143Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 128Number of Accounts
  • $0Personal trust and agency accounts
  • $143Employee benefit-defined contribution accounts
  • $585Employee benefit-defined benefit accounts
  • $4,809Other retirement accounts
  • $1,894Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $2,537Fiduciary accounts held in foreign offices

List of branches

  • 1 Oklahoma Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09678First Bank And Trust Company501 Frisco Avenue, Clinton, OK 73601January 01, 1903Full Service Brick and Mortar

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