First National Bank of Muskogee in Muskogee, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • First National Bank of Muskogee in Muskogee, Oklahoma (OK)
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First National Bank of Muskogee - Overview

  • General
  • FDIC Certificate #: 57183
    Status: Active
    Federal Reserve ID: 2981813
    Bank Holding Company (Regulatory Top Holder): First Muskogee Financial Corp. (RSSDID: 3017915, Location: Muskogee, OK)
    Date Established: July 16, 2001
    WWW: http://www.fnbmuskogee.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: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 52022
    FDIC's unique #: 359092
    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: July 16, 2001
    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: 510 North Main Street, Muskogee, OK 74401
    County: Muskogee
    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): Muskogee, OK (#34780)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $175.0 mil
    Equity capital: $13.8 mil
    Deposits held in domestic offices: $158.4 mil
    Return on assets (ROA): 1.98% ($3.5 mil)
    Quarterly return on assets: 1.91% ($3.3 mil)
    Return on Equity (ROE): 23.85% ($3.3 mil)
    Quarterly return on equity: 23.19% ($3.2 mil)
    Net income: $3.3 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 1.98% ($3,465.0 mil)
    Quarterly Pretax return on assets: 1.91% ($3,342.5 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
  • 42Total employees (full-time equivalent)
  • $175,000Total assets
  • $21,142Cash and due from depository institutions
  • $16,589Interest-bearing balances
  • $14,856Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $130,165Net loans & leases
  • $1,987Loan loss allowance
  • $0Trading account assets
  • $4,724Bank premises and fixed assets
  • $1,463Other real estate owned
  • $258Goodwill and other intangibles
  • $175,000Life insurance assets
  • $2,392All other assets
  • $161,174Total liabilities and capital
  • $158,425Total liabilities
  • $117,277Total deposits
  • $158,425Interest-bearing deposits
  • $71Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,564Trading liabilities
  • $0Other borrowed funds
  • $185Subordinated debt
  • $13,826All other liabilities
  • $13,826Total equity capital
  • $13,826Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $6,967Surplus
  • $5,859Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,672Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $550Income earned, not collected on loans
  • $0Earning assets
  • $589Long-term assets (5+ years)
  • $161,610Average Assets, year-to-date
  • $25,192Average Assets, quarterly
  • $166,064Volatile liabilities
  • $168,255Insider loans
  • $132,657FHLB advances
  • $163,639Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $13,142Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $26,214Restructured Loans and leases
  • $140Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,904Total interest income
  • $1,053Total interest expense
  • $6,851Net interest income
  • $436Provision for loan and lease losses
  • $2,330Total noninterest income
  • $0Fiduciary activities
  • $775Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,555Additional noninterest income
  • $5,453Total noninterest expense
  • $2,825Salaries and employee benefits
  • $643Premises and equipment expense
  • $1,985Additional noninterest expense
  • $3,292Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $3,292Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,292Net income attributable to bank
  • $0Net charge-offs
  • $3,292Cash dividends
  • $48Sale, conversion, retirement of capital stock, net
  • $2,850Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.13%Yield on earning assets
  • 0.68%Cost of funding earning assets
  • 4.45%Net interest margin
  • 1.51%Noninterest income to earning assets
  • 3.54%Noninterest expense to earning assets
  • 1.98%Net operating income to assets
  • 1.98%Return on assets (ROA)
  • 1.98%Pretax return on assets
  • 23.85%Return on equity (ROE)
  • 3.20%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • 908.33%Credit loss provision to net charge-offs
  • 77.67%Efficiency ratio
  • 59,394Assets per employee
  • 4.17%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 86.57%Loss allowance to loans
  • 1.50%Loss allowance to noncurrent loans
  • 361.27%Noncurrent assets plus other real estate owned to assets
  • 1.15%Noncurrent loans to loans
  • 0.42%Net loans and leases to deposits
  • 82.16%Net loans and leases to core deposits
  • 89.84%Equity capital to assets
  • 7.90%Core capital (leverage) ratio
  • 8.03%Tier 1 risk-based capital ratio
  • 9.91%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $166,064Average earning assets
  • $13,805Average equity
  • $154,100Average loans

Total Fiduciary and Related Assets (December 31, 2010)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $397Managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $397Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 3 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0359092First National Bank Of Muskogee510 North Main Street, Muskogee, OK 74401July 16, 2001Full Service Brick and Mortar
    1443465Chandler Branch2215 Chandler, Muskogee, OK 74401March 07, 2005Full Service Brick and Mortar
    3469190First National Bank Of Muskogee Bran10124b South Sheridan Road, Tulsa, OK 74133October 22, 2007Full Service Brick and Mortar

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