First National Bank and Trust Company of Ardmore in Ardmore, Oklahoma (OK)
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| First National Bank and Trust Company of Ardmore | |
|---|---|
| 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 WWW: http://www.1nb.com 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) |
| 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 |
| Securities | $247,846 |
| 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 |
| Surplus | $13,218 |
| Undivided profits | $25,831 |
| Memoranda | |
| 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 |
| Derivatives | $9,146 |
| 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 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.00% |
| 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 ratio | 29.95% |
| 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 deposits | 0.69% |
| 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% |
| Memoranda | |
| Average assets | $17 |
| Average earning assets | $434,724 |
| Average equity | $38,100 |
| Average loans | $403,989 |
| 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 Accounts | 1 |
| Fiduciary powers granted | Yes |
| Fiduciary or related activity | Yes |
| Managed Assets | $97,988 |
| Number of Accounts | 1 |
| 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 Accounts | 156 |
| 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 |
| 9 Oklahoma Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 2616 | First National Bank And Trust Compan | 405 West Main Street, Ardmore, OK 73401 | January 01, 1889 | Full Service Brick and Mortar |  |
| 1 | 202238 | Drive-In Branch | 115 D Street, N.W., Ardmore, OK 73401 | March 24, 1975 | Limited Service Facility |  |
| 2 | 17176 | Highway 32 West Branch | 1101 Memorial Drive, Marietta, OK 73448 | October 24, 1983 | Full Service Brick and Mortar | |
| 3 | 15857 | Lone Grove Branch | Highway 70 And Newport Road, Lone Grove, OK 73443 | September 20, 1978 | Full Service Brick and Mortar | |
| 4 | 269220 | Ardmore Branch | 1226 West Broadway, Ardmore, OK 73401 | January 01, 1921 | Full Service Brick and Mortar | |
| 5 | 2741 | 125 West Main Street Branch | 125 West Main Street, Ringling, OK 73456 | January 01, 1914 | Full Service Brick and Mortar | |
| 7 | 202240 | 12th Street Branch | 1400 West 12th Street, Ardmore, OK 73401 | December 07, 1998 | Full Service Brick and Mortar | |
| 8 | 419376 | Sulphur Branch | 2013 West Broadway, Sulphur, OK 73086 | January 30, 2003 | Full Service Brick and Mortar | |
| 9 | 13824 | Velma Branch | Fourth And Main Streets, Velma, OK 73491 | January 26, 1970 | Full Service Brick and Mortar | |
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