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


  • First Bethany Bank & Trust in Bethany, Oklahoma (OK)
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First Bethany Bank & Trust - Overview

  • General
  • FDIC Certificate #: 4228
    Status: Active
    Federal Reserve ID: 988452
    Bank Holding Company (Regulatory Top Holder): First Bethany Bancorp, Inc. (RSSDID: 1051175, Location: Bethany, OK)
    Date Established: January 01, 1923
    WWW: http://www.firstbethany.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 11338
    FDIC's unique #: 2774
    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: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 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: 6500 Northwest 39th Expressway, Bethany, OK 73008
    County: Oklahoma
    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
    Metropolitan Statistical Area (MSA): Oklahoma City, OK (#5880)
    Combined Statistical Area (CSA): Oklahoma City-Shawnee, OK (#416)
    Core Based Statistical Area (CBSA): Oklahoma City, OK (#36420)
    CBSA Metro Statistical Area: Oklahoma City, OK (#36420)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $180.9 mil
    Equity capital: $16.8 mil
    Deposits held in domestic offices: $118.2 mil
    Return on assets (ROA): 1.50% ($2.7 mil)
    Quarterly return on assets: 1.28% ($2.3 mil)
    Return on Equity (ROE): 16.07% ($2.7 mil)
    Quarterly return on equity: 13.66% ($2.3 mil)
    Net income: $2.5 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.50% ($2,714.0 mil)
    Quarterly Pretax return on assets: 1.28% ($2,316.0 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
  • 38Total employees (full-time equivalent)
  • $180,935Total assets
  • $4,103Cash and due from depository institutions
  • $1,310Interest-bearing balances
  • $94,621Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $71,985Net loans & leases
  • $849Loan loss allowance
  • $0Trading account assets
  • $2,295Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $180,935Life insurance assets
  • $7,931All other assets
  • $164,141Total liabilities and capital
  • $118,162Total liabilities
  • $85,435Total deposits
  • $118,162Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 39160.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,467Trading liabilities
  • $0Other borrowed funds
  • $5,352Subordinated debt
  • $16,794All other liabilities
  • $16,794Total equity capital
  • $16,794Total bank equity capital
  • $0Perpetual preferred stock
  • $1,400Common stock
  • $2,740Surplus
  • $12,654Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,224Income earned, not collected on loans
  • $0Earning assets
  • $950Long-term assets (5+ years)
  • $167,916Average Assets, year-to-date
  • $76,676Average Assets, quarterly
  • $167,688Volatile liabilities
  • $176,867Insider loans
  • $102,579FHLB advances
  • $176,489Loans and leases held for sale
  • $3,545Unused loan commitments
  • $3,545Tier 1 (core) risk-based capital
  • $14,855Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,662Restructured Loans and leases
  • $31Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,888Total interest income
  • $911Total interest expense
  • $5,977Net interest income
  • $96Provision for loan and lease losses
  • $962Total noninterest income
  • $0Fiduciary activities
  • $439Service charges on deposit accounts
  • $0Trading account gains & fees
  • $523Additional noninterest income
  • $4,563Total noninterest expense
  • $2,826Salaries and employee benefits
  • $547Premises and equipment expense
  • $1,190Additional noninterest expense
  • $2,280Pre-tax net operating income
  • $234Securities gains (losses)
  • $0Applicable income taxes
  • $2,514Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,514Net income attributable to bank
  • $0Net charge-offs
  • $2,514Cash dividends
  • -$10Sale, conversion, retirement of capital stock, net
  • $1,286Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.45%Yield on earning assets
  • 0.59%Cost of funding earning assets
  • 3.86%Net interest margin
  • 0.62%Noninterest income to earning assets
  • 2.95%Noninterest expense to earning assets
  • 1.36%Net operating income to assets
  • 1.50%Return on assets (ROA)
  • 1.50%Pretax return on assets
  • 16.07%Return on equity (ROE)
  • 7.85%Retained earnings to average equity (YTD only)
  • -0.01%Net charge-offs to loans
  • -960.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 65,759Assets per employee
  • 4.76%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 51.15%Loss allowance to loans
  • 1.17%Loss allowance to noncurrent loans
  • 69.36%Noncurrent assets plus other real estate owned to assets
  • 0.68%Noncurrent loans to loans
  • 1.68%Net loans and leases to deposits
  • 60.92%Net loans and leases to core deposits
  • 62.51%Equity capital to assets
  • 9.28%Core capital (leverage) ratio
  • 8.42%Tier 1 risk-based capital ratio
  • 14.48%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $167,688Average earning assets
  • $15,643Average equity
  • $154,708Average loans

List of branches

  • 3 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02774First Bethany Bank & Trust6500 Northwest 39th Expressway, Bethany, OK 73008January 01, 1923Full Service Brick and Mortar
    1202414Motor Bank Branch6524 N.W. 39th Expressway, Bethany, OK 73008November 23, 1969Limited Service Facility
    2202415Bethany Bank Branch3001 South Meridian, Oklahoma City, OK 73119August 01, 1998Full Service Brick and Mortar

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