First National Bank and Trust Company of Ardmore in city_name, state_name

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 - 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
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)

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

No	ID	Name	Address	Established	Service Type
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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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

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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