First National Bank and Trust Company of Ardmore in Ardmore, Oklahoma (OK)

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First National Bank and Trust Company of Ardmore routing number info

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First National Bank and Trust Company of Ardmore
GeneralFDIC 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
LocationAddress: 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 ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal 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)
Total employees (full-time equivalent)131
Total assets$451,960
Cash and due from depository institutions$21,209
Interest-bearing balances$13,072
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$158,882
Loan loss allowance $2,598
Trading account assets$0
Bank premises and fixed assets$8,555
Other real estate owned$461
Goodwill and other intangibles$4,683
All other assets$10,324
Life insurance assets$451,960
Total liabilities and capital$411,911
Total liabilities$350,250
Total deposits$246,083
Interest-bearing deposits$350,250
Deposits held in domestic offices$85
% insured (estimated)55138.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$3,062
Other borrowed funds $0
Subordinated debt $3,461
All other liabilities $40,049
Total equity capital$40,049
Total bank equity capital$40,049
Perpetual preferred stock$0
Common stock$1,000
Undivided profits $25,831
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,119
Earning assets $0
Long-term assets (5+ years) $2,524
Average Assets, year-to-date $419,800
Average Assets, quarterly $136,574
Volatile liabilities $434,724
Insider loans $449,176
FHLB advances $217,634
Loans and leases held for sale $432,741
Unused loan commitments $4,611
Tier 1 (core) risk-based capital $1,401
Tier 2 risk-based capital $33,400
Total risk weighted assets $1,519
Total unused commitments $1,691
Restructured Loans and leases $37,661
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $16,160
Total interest expense $1,948
Net interest income $14,212
Provision for loan and lease losses $180
Total noninterest income $4,341
Fiduciary activities $659
Service charges on deposit accounts $2,165
Trading account gains & fees $0
Additional noninterest income $1,517
Total noninterest expense $13,043
Salaries and employee benefits $7,758
Premises and equipment expense $1,868
Additional noninterest expense $3,417
Pre-tax net operating income $5,330
Securities gains (losses) $21
Applicable income taxes $0
Income before extraordinary items $5,351
Extraordinary gains - net $0
Net income attributable to bank $5,351
Net charge-offs $0
Cash dividends $5,351
Sale, conversion, retirement of capital stock, net $184
Net operating income $3,325
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.00%
Cost of funding earning assets 0.48%
Net interest margin 3.52%
Noninterest income to earning assets 1.07%
Noninterest expense to earning assets 3.23%
Net operating income to assets 1.23%
Return on assets (ROA) 1.23%
Pretax return on assets 1.23%
Return on equity (ROE) 14.04%
Retained earnings to average equity (YTD only) 5.32%
Net charge-offs to loans 0.12%
Credit loss provision to net charge-offs 97.83%
Efficiency ratio29.95%
Assets per employee$70,183
Cash dividends to net income (YTD only)3.45%
Condition Ratios (%)
Loss allowance to loans 62.14%
Loss allowance to noncurrent loans 1.61%
Noncurrent assets plus other real estate owned to assets 232.17%
Noncurrent loans to loans 0.35%
Net loans and leases to deposits0.69%
Net loans and leases to core deposits 45.36%
Equity capital to assets 49.05%
Core capital (leverage) ratio 8.86%
Tier 1 risk-based capital ratio 7.72%
Total risk-based capital ratio 15.35%
Average assets$17
Average earning assets$434,724
Average equity $38,100
Average loans $403,989
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$97,988
Number of Accounts1
Personal trust and agency accounts$86,364
Employee benefit-defined contribution accounts$61,286
Employee benefit-defined benefit accounts$0
Other retirement accounts$11,070
Corporate trust and agency accounts$4,166
Investment management agency accounts$0
Other fiduciary accounts$9,842
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts156
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$4,166
Employee benefit-defined benefit accounts$0
Other retirement accounts$11,624
Corporate trust and agency accounts$617
Other fiduciary accounts$24
Fiduciary accounts held in foreign offices$9,351
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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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