First National Bank & Trust Company of McAlester in Mcalester, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank & Trust Company of McAlester - Overview

  • General
  • FDIC Certificate #: 4145
    Status: Active
    Federal Reserve ID: 830355
    Bank Holding Company (Regulatory Top Holder): First Of Mcalester Corporation (RSSDID: 1055762, Location: Mcalester, OK)
    Date Established: December 12, 1896
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 2705
    Numeric code: 3
    Regulator: OCC
    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: No
    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: 235 East Choctaw Street, Mcalester, OK 74501
    County: Pittsburg
    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
    Core Based Statistical Area (CBSA): McAlester, OK (#32540)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $461.1 mil
    Equity capital: $58.3 mil
    Deposits held in domestic offices: $401.0 mil
    Return on assets (ROA): 2.13% ($9.8 mil)
    Quarterly return on assets: 1.82% ($8.4 mil)
    Return on Equity (ROE): 17.06% ($9.9 mil)
    Quarterly return on equity: 14.29% ($8.3 mil)
    Net income: $9.8 mil
    Quarterly Net income: $2.1 mil
    Pretax return on assets: 2.14% ($9,867.9 mil)
    Quarterly Pretax return on assets: 1.82% ($8,392.3 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
  • 78Total employees (full-time equivalent)
  • $461,118Total assets
  • $13,600Cash and due from depository institutions
  • $9,597Interest-bearing balances
  • $239,456Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $190,857Net loans & leases
  • $2,582Loan loss allowance
  • $0Trading account assets
  • $5,207Bank premises and fixed assets
  • $544Other real estate owned
  • $0Goodwill and other intangibles
  • $461,118Life insurance assets
  • $11,454All other assets
  • $402,848Total liabilities and capital
  • $401,040Total liabilities
  • $345,821Total deposits
  • $401,040Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,808Subordinated debt
  • $58,270All other liabilities
  • $58,270Total equity capital
  • $58,270Total bank equity capital
  • $0Perpetual preferred stock
  • $5,000Common stock
  • $5,000Surplus
  • $48,270Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,862Income earned, not collected on loans
  • $0Earning assets
  • $1,905Long-term assets (5+ years)
  • $439,910Average Assets, year-to-date
  • $168,824Average Assets, quarterly
  • $459,600Volatile liabilities
  • $464,097Insider loans
  • $220,270FHLB advances
  • $465,246Loans and leases held for sale
  • $7,402Unused loan commitments
  • $6,129Tier 1 (core) risk-based capital
  • $51,129Tier 2 risk-based capital
  • $1,273Total risk weighted assets
  • $0Total unused commitments
  • $16,815Restructured Loans and leases
  • $853Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $19,667Total interest income
  • $3,350Total interest expense
  • $16,317Net interest income
  • $304Provision for loan and lease losses
  • $1,723Total noninterest income
  • $0Fiduciary activities
  • $986Service charges on deposit accounts
  • $0Trading account gains & fees
  • $737Additional noninterest income
  • $7,864Total noninterest expense
  • $4,504Salaries and employee benefits
  • $1,193Premises and equipment expense
  • $2,167Additional noninterest expense
  • $9,872Pre-tax net operating income
  • -$24Securities gains (losses)
  • $55Applicable income taxes
  • $9,793Income before extraordinary items
  • $0Extraordinary gains - net
  • $9,793Net income attributable to bank
  • $0Net charge-offs
  • $9,793Cash dividends
  • $373Sale, conversion, retirement of capital stock, net
  • $8,755Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.49%Yield on earning assets
  • 0.76%Cost of funding earning assets
  • 3.72%Net interest margin
  • 0.39%Noninterest income to earning assets
  • 1.79%Noninterest expense to earning assets
  • 2.14%Net operating income to assets
  • 2.13%Return on assets (ROA)
  • 2.14%Pretax return on assets
  • 17.06%Return on equity (ROE)
  • 1.81%Retained earnings to average equity (YTD only)
  • 0.19%Net charge-offs to loans
  • 81.50%Credit loss provision to net charge-offs
  • 27.28%Efficiency ratio
  • 43,592Assets per employee
  • 5.91%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 89.40%Loss allowance to loans
  • 1.33%Loss allowance to noncurrent loans
  • 29.14%Noncurrent assets plus other real estate owned to assets
  • 2.04%Noncurrent loans to loans
  • 4.58%Net loans and leases to deposits
  • 47.59%Net loans and leases to core deposits
  • 51.74%Equity capital to assets
  • 12.64%Core capital (leverage) ratio
  • 10.99%Tier 1 risk-based capital ratio
  • 23.21%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $459,600Average earning assets
  • $57,393Average equity
  • $438,129Average loans

Total Fiduciary and Related Assets (December 31, 2006)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $4,945Managed Assets
  • 1Number of Accounts
  • $3,577Personal trust and agency accounts
  • $3,282Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $295Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 16Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1,368Other retirement accounts
  • $1,368Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 4 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02705First National Bank & Trust Company235 East Choctaw Street, Mcalester, OK 74501December 12, 1896Full Service Brick and Mortar
    1202322Drive-In Branch2nd & Chickasaw, Mcalester, OK 74501April 24, 1961Limited Service Facility
    21528Hartshorne Branch935 Pennsylvania Avenue, Hartshorne, OK 74547January 01, 1927Full Service Brick and Mortar
    5202323Detached Drive-In Facility Branch1105 East Carl Albert Parkway, Mcalester, OK 74501March 10, 1986Limited Service Facility

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