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

First National Bank and Trust Company of Ardmore - Overview

  • General
  • FDIC Certificate #: 4037
    Status: Active
    Federal Reserve ID: 984258
    Bank Holding Company (Regulatory Top Holder): First National Corporation Of Ardmore, Inc. (RSSDID: 1055726, Location: Ardmore, OK)
    Date Established: January 01, 1889
    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: 9 (Domestic: 9, Interstate: No)
    OTS Docket #: 10738
    FDIC's unique #: 2616
    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: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 30, 2008
    Last Structure Change Process Date: July 07, 2008
    Last Data Update: July 07, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 405 West Main Street, Ardmore, OK 73401
    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
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $452.0 mil
    Equity capital: $40.0 mil
    Deposits held in domestic offices: $350.3 mil
    Return on assets (ROA): 1.23% ($5.6 mil)
    Quarterly return on assets: 1.22% ($5.5 mil)
    Return on Equity (ROE): 14.04% ($5.6 mil)
    Quarterly return on equity: 13.45% ($5.4 mil)
    Net income: $5.4 mil
    Quarterly Net income: $1.4 mil
    Pretax return on assets: 1.23% ($5,559.1 mil)
    Quarterly Pretax return on assets: 1.22% ($5,513.9 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
  • 131Total employees (full-time equivalent)
  • $451,960Total assets
  • $21,209Cash and due from depository institutions
  • $13,072Interest-bearing balances
  • $247,846Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $158,882Net loans & leases
  • $2,598Loan loss allowance
  • $0Trading account assets
  • $8,555Bank premises and fixed assets
  • $461Other real estate owned
  • $4,683Goodwill and other intangibles
  • $451,960Life insurance assets
  • $10,324All other assets
  • $411,911Total liabilities and capital
  • $350,250Total liabilities
  • $246,083Total deposits
  • $350,250Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 55138.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,062Trading liabilities
  • $0Other borrowed funds
  • $3,461Subordinated debt
  • $40,049All other liabilities
  • $40,049Total equity capital
  • $40,049Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $13,218Surplus
  • $25,831Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,119Income earned, not collected on loans
  • $0Earning assets
  • $2,524Long-term assets (5+ years)
  • $419,800Average Assets, year-to-date
  • $136,574Average Assets, quarterly
  • $434,724Volatile liabilities
  • $449,176Insider loans
  • $217,634FHLB advances
  • $432,741Loans and leases held for sale
  • $4,611Unused loan commitments
  • $1,401Tier 1 (core) risk-based capital
  • $33,400Tier 2 risk-based capital
  • $1,519Total risk weighted assets
  • $1,691Total unused commitments
  • $37,661Restructured Loans and leases
  • $9,146Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $16,160Total interest income
  • $1,948Total interest expense
  • $14,212Net interest income
  • $180Provision for loan and lease losses
  • $4,341Total noninterest income
  • $659Fiduciary activities
  • $2,165Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,517Additional noninterest income
  • $13,043Total noninterest expense
  • $7,758Salaries and employee benefits
  • $1,868Premises and equipment expense
  • $3,417Additional noninterest expense
  • $5,330Pre-tax net operating income
  • $21Securities gains (losses)
  • $0Applicable income taxes
  • $5,351Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,351Net income attributable to bank
  • $0Net charge-offs
  • $5,351Cash dividends
  • $184Sale, conversion, retirement of capital stock, net
  • $3,325Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.00%Yield on earning assets
  • 0.48%Cost of funding earning assets
  • 3.52%Net interest margin
  • 1.07%Noninterest income to earning assets
  • 3.23%Noninterest expense to earning assets
  • 1.23%Net operating income to assets
  • 1.23%Return on assets (ROA)
  • 1.23%Pretax return on assets
  • 14.04%Return on equity (ROE)
  • 5.32%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 97.83%Credit loss provision to net charge-offs
  • 29.95%Efficiency ratio
  • 70,183Assets per employee
  • 3.45%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 62.14%Loss allowance to loans
  • 1.61%Loss allowance to noncurrent loans
  • 232.17%Noncurrent assets plus other real estate owned to assets
  • 0.35%Noncurrent loans to loans
  • 0.69%Net loans and leases to deposits
  • 45.36%Net loans and leases to core deposits
  • 49.05%Equity capital to assets
  • 8.86%Core capital (leverage) ratio
  • 7.72%Tier 1 risk-based capital ratio
  • 15.35%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $434,724Average earning assets
  • $38,100Average equity
  • $403,989Average 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
  • $97,988Managed Assets
  • 1Number of Accounts
  • $86,364Personal trust and agency accounts
  • $61,286Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $11,070Other retirement accounts
  • $4,166Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $9,842Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 156Number of Accounts
  • $0Personal trust and agency accounts
  • $4,166Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $11,624Other retirement accounts
  • $617Corporate trust and agency accounts
  • $24Other fiduciary accounts
  • $9,351Fiduciary accounts held in foreign offices

List of branches

  • 9 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02616First National Bank And Trust Compan405 West Main Street, Ardmore, OK 73401January 01, 1889Full Service Brick and Mortar
    1202238Drive-In Branch115 D Street, N.W., Ardmore, OK 73401March 24, 1975Limited Service Facility
    217176Highway 32 West Branch1101 Memorial Drive, Marietta, OK 73448October 24, 1983Full Service Brick and Mortar
    315857Lone Grove BranchHighway 70 And Newport Road, Lone Grove, OK 73443September 20, 1978Full Service Brick and Mortar
    4269220Ardmore Branch1226 West Broadway, Ardmore, OK 73401January 01, 1921Full Service Brick and Mortar
    52741125 West Main Street Branch125 West Main Street, Ringling, OK 73456January 01, 1914Full Service Brick and Mortar
    720224012th Street Branch1400 West 12th Street, Ardmore, OK 73401December 07, 1998Full Service Brick and Mortar
    8419376Sulphur Branch2013 West Broadway, Sulphur, OK 73086January 30, 2003Full Service Brick and Mortar
    913824Velma BranchFourth And Main Streets, Velma, OK 73491January 26, 1970Full Service Brick and Mortar
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