First Community Bank and Trust Company of Lone Grove in Lone Grove, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 27, 1996

  • First Community Bank and Trust Company of Lone Grove in Lone Grove, Oklahoma (OK)
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First Community Bank and Trust Company of Lone Grove - Overview

  • General
  • FDIC Certificate #: 22716
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First National Bank and Trust Company of Ardmore (#4037)
    Federal Reserve ID: 357450
    Date Established: September 20, 1978
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 15857
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: Yes
    Date of Deposit Insurance: September 20, 1978
    Last Structure Change Effective Date: September 27, 1996
    Last Structure Change Process Date: October 23, 1996
    Last Data Update: October 23, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: Highway 70 And Newport Road, Lone Grove, OK 73443
    County: Carter
    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): Ardmore, OK (#11620)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $43.8 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $33Total assets
  • $43,540Cash and due from depository institutions
  • $1,925Interest-bearing balances
  • $0Securities
  • $12,454Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $26,868Loan loss allowance
  • $228Trading account assets
  • $0Bank premises and fixed assets
  • $1,088Other real estate owned
  • $311Goodwill and other intangibles
  • $807Life insurance assets
  • $87All other assets
  • $0Total liabilities and capital
  • $43,540Total liabilities
  • $39,502Total deposits
  • $38,747Interest-bearing deposits
  • $33,434Deposits held in domestic offices
  • 38747.00%% insured (estimated)
  • $90Federal funds purchased & repurchase agreements
  • $443Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $312Total equity capital
  • $312Total bank equity capital
  • $4,038Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $1,200Undivided profits
  • Memoranda
  • $1,838Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $139Income earned, not collected on loans
  • $473Earning assets
  • $39,322Long-term assets (5+ years)
  • $4,682Average Assets, year-to-date
  • $43,666Average Assets, quarterly
  • $43,584Volatile liabilities
  • $8,747Insider loans
  • $1,571FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $5,887Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $3,954Total risk weighted assets
  • $28,675Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $3,437Total interest expense
  • $1,643Net interest income
  • $1,794Provision for loan and lease losses
  • $60Total noninterest income
  • $263Fiduciary activities
  • $0Service charges on deposit accounts
  • $235Trading account gains & fees
  • $0Additional noninterest income
  • $28Total noninterest expense
  • $1,520Salaries and employee benefits
  • $852Premises and equipment expense
  • $203Additional noninterest expense
  • $465Pre-tax net operating income
  • $477Securities gains (losses)
  • $0Applicable income taxes
  • $136Income before extraordinary items
  • $341Extraordinary gains - net
  • $0Net income attributable to bank
  • $341Net charge-offs
  • $141Cash dividends
  • $55Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.64%Cost of funding earning assets
  • 4.13%Net interest margin
  • 4.51%Noninterest income to earning assets
  • 0.66%Noninterest expense to earning assets
  • 3.82%Net operating income to assets
  • 0.78%Return on assets (ROA)
  • 0.78%Pretax return on assets
  • 1.09%Return on equity (ROE)
  • 8.96%Retained earnings to average equity (YTD only)
  • 7.52%Net charge-offs to loans
  • 0.53%Credit loss provision to net charge-offs
  • 42.55%Efficiency ratio
  • 73,505Assets per employee
  • 1.32%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 16.13%Loss allowance to loans
  • 0.84%Loss allowance to noncurrent loans
  • 164.03%Noncurrent assets plus other real estate owned to assets
  • 1.03%Noncurrent loans to loans
  • 0.51%Net loans and leases to deposits
  • 69.34%Net loans and leases to core deposits
  • 88.26%Equity capital to assets
  • 9.27%Core capital (leverage) ratio
  • 9.06%Tier 1 risk-based capital ratio
  • 13.79%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $43,666Average earning assets
  • $3,805Average equity
  • $39,771Average loans

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