First Heritage National Bank in Davis, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 21, 1997

First Heritage National Bank in Davis, Oklahoma (OK)
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First Heritage National Bank - Overview

General
FDIC Certificate #: 4230
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Landmark Bank, National Association (#34498)
Federal Reserve ID: 864752
Date Established: December 16, 1895
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 4 (Interstate: No)
OTS Docket #: 12005
FDIC's unique #: 2775
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: No
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: Febuary 21, 1997
Last Structure Change Process Date: Febuary 27, 1997
Last Data Update: April 11, 1998
Data Source Date: April 05, 2012
Location
Address: 1300 East Main Street, Davis, OK 73030
County: Murray
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
Financial Summary
Total assets: $56.7 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

Dollar figures in thousands
0Total employees (full-time equivalent)
$38Total assets
$56,732Cash and due from depository institutions
$2,378Interest-bearing balances
$0Securities
$7,291Federal funds sold & reverse repurchase agreements
$1,900Net loans & leases
$42,445Loan loss allowance
$569Trading account assets
$0Bank premises and fixed assets
$1,956Other real estate owned
$0Goodwill and other intangibles
$720Life insurance assets
$42All other assets
$0Total liabilities and capital
$56,732Total liabilities
$52,382Total deposits
$51,944Interest-bearing deposits
$46,575Deposits held in domestic offices
51944.00%% insured (estimated)
$94Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$145Subordinated debt
$0All other liabilities
$293Total equity capital
$293Total bank equity capital
$4,350Perpetual preferred stock
$0Common stock
$622Surplus
$1,278Undivided profits
Memoranda
$2,450Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$497Income earned, not collected on loans
$453Earning assets
$51,636Long-term assets (5+ years)
$2,721Average Assets, year-to-date
$52,191Average Assets, quarterly
$55,670Volatile liabilities
$6,934Insider loans
$1,998FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$3,283Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$4,281Total risk weighted assets
$40,121Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1996)

Dollar figures in thousands
$0Total interest income
$4,261Total interest expense
$1,935Net interest income
$2,326Provision for loan and lease losses
$115Total noninterest income
$458Fiduciary activities
$0Service charges on deposit accounts
$344Trading account gains & fees
$0Additional noninterest income
$114Total noninterest expense
$1,925Salaries and employee benefits
$866Premises and equipment expense
$268Additional noninterest expense
$791Pre-tax net operating income
$744Securities gains (losses)
$0Applicable income taxes
$248Income before extraordinary items
$496Extraordinary gains - net
$0Net income attributable to bank
$496Net charge-offs
$67Cash dividends
$78Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1996)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.93%Cost of funding earning assets
4.06%Net interest margin
4.88%Noninterest income to earning assets
0.96%Noninterest expense to earning assets
4.03%Net operating income to assets
0.95%Return on assets (ROA)
0.95%Pretax return on assets
1.43%Return on equity (ROE)
12.03%Retained earnings to average equity (YTD only)
10.14%Net charge-offs to loans
0.17%Credit loss provision to net charge-offs
171.64%Efficiency ratio
68,858Assets per employee
1.49%Cash dividends to net income (YTD only)
Condition Ratios (%)
15.73%Loss allowance to loans
1.32%Loss allowance to noncurrent loans
114.49%Noncurrent assets plus other real estate owned to assets
0.88%Noncurrent loans to loans
1.16%Net loans and leases to deposits
81.71%Net loans and leases to core deposits
94.30%Equity capital to assets
7.67%Core capital (leverage) ratio
7.83%Tier 1 risk-based capital ratio
10.67%Total risk-based capital ratio
Memoranda
$12Average assets
$52,191Average earning assets
$4,122Average equity
$47,710Average loans

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