First Texoma National Bank in city_name, state_name - Detailed Financial Reports, Location

First Texoma National Bank in Durant, Oklahoma (OK), TX
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First Texoma National Bank routing number info

First Texoma National Bank - Overview

General
FDIC Certificate #: 13905
Status: Active
Federal Reserve ID: 388155
Bank Holding Company (Regulatory Top Holder): Fnb Financial Services, Inc. (RSSDID: 1141227, Location: Durant, OK)
Date Established: July 08, 1898
WWW: http://www.ftnb.net
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 7 (Domestic: 7, Interstate: Yes)
OTS Docket #: 12043
FDIC's unique #: 8697
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: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
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: 220 West Main Street, Durant, OK 74701
County: Bryan
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): Durant, OK (#20460)
CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $169.7 mil
Equity capital: $17.5 mil
Deposits held in domestic offices: $151.9 mil
Return on assets (ROA): -1.91% (-$3.2 mil)
Quarterly return on assets: -0.84% (-$1.4 mil)
Return on Equity (ROE): -18.96% (-$3.2 mil)
Quarterly return on equity: -8.16% (-$1.4 mil)
Net income: -$3.5 mil
Quarterly Net income: -$0.4 mil
Pretax return on assets: -1.91% (-$3,241.6 mil)
Quarterly Pretax return on assets: -0.84% (-$1,425.6 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
78Total employees (full-time equivalent)
$169,719Total assets
$5,910Cash and due from depository institutions
$1,011Interest-bearing balances
$23,791Securities
$4,878Federal funds sold & reverse repurchase agreements
$116,655Net loans & leases
$2,588Loan loss allowance
$0Trading account assets
$4,765Bank premises and fixed assets
$9,381Other real estate owned
$460Goodwill and other intangibles
$169,719Life insurance assets
$3,879All other assets
$152,227Total liabilities and capital
$151,950Total liabilities
$116,600Total deposits
$151,950Interest-bearing deposits
$99Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$277Subordinated debt
$17,492All other liabilities
$17,492Total equity capital
$17,492Total bank equity capital
$0Perpetual preferred stock
$1,000Common stock
$7,375Surplus
$9,117Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$4,969Income earned, not collected on loans
$0Earning assets
$1,241Long-term assets (5+ years)
$146,335Average Assets, year-to-date
$47,090Average Assets, quarterly
$181,135Volatile liabilities
$171,489Insider loans
$121,369FHLB advances
$170,692Loans and leases held for sale
$197Unused loan commitments
$197Tier 1 (core) risk-based capital
$16,576Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$5,584Restructured Loans and leases
$529Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$8,386Total interest income
$1,187Total interest expense
$7,199Net interest income
$900Provision for loan and lease losses
-$1,490Total noninterest income
$0Fiduciary activities
$999Service charges on deposit accounts
$0Trading account gains & fees
-$2,489Additional noninterest income
$8,268Total noninterest expense
$3,829Salaries and employee benefits
$1,450Premises and equipment expense
$2,989Additional noninterest expense
-$3,459Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$3,459Income before extraordinary items
$0Extraordinary gains - net
-$3,459Net income attributable to bank
$0Net charge-offs
-$3,459Cash dividends
$1,265Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.35%Yield on earning assets
0.76%Cost of funding earning assets
4.59%Net interest margin
-0.95%Noninterest income to earning assets
5.27%Noninterest expense to earning assets
-1.91%Net operating income to assets
-1.91%Return on assets (ROA)
-1.91%Pretax return on assets
-18.96%Return on equity (ROE)
-18.96%Retained earnings to average equity (YTD only)
0.96%Net charge-offs to loans
71.15%Credit loss provision to net charge-offs
-2.02%Efficiency ratio
144,824Assets per employee
2.18%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.17%Loss allowance to noncurrent loans
52.08%Noncurrent assets plus other real estate owned to assets
8.46%Noncurrent loans to loans
4.17%Net loans and leases to deposits
76.77%Net loans and leases to core deposits
78.00%Equity capital to assets
10.31%Core capital (leverage) ratio
9.71%Tier 1 risk-based capital ratio
13.66%Total risk-based capital ratio
Memoranda
$15Average assets
$181,135Average earning assets
$18,240Average equity
$156,741Average loans

List of branches

4 Oklahoma Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	8697	First Texoma National Bank	220 West Main Street, Durant, OK 74701	July 08, 1898	Full Service Brick and Mortar
1	230626	Motor Bank Branch	420 West Main Street, Durant, OK 74701	Febuary 25, 1972	Limited Service Facility
2	230627	Northwest Heights Branch	1825 West University Boulevard, Durant, OK 74701	December 30, 1986	Full Service Brick and Mortar
4	10712	615 Hunter Branch	615 Hunter, Boswell, OK 74727	April 14, 1947	Full Service Brick and Mortar

3 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
5	426498	Post Oak Crossing Branch	3401 Highway 1417, Sherman, TX 75092	Febuary 26, 2004	Full Service Brick and Mortar
6	442484	Loy Lake Branch	2626 Loy Lake Rd, Sherman, TX 75091	April 22, 2005	Full Service Brick and Mortar
7	452938	Magnolia Crossing Branch	26797 East Highway 380, Aubrey, TX 76227	June 26, 2006	Full Service Brick and Mortar

First Texoma National Bank in Durant, Oklahoma (OK), TX
Overview, Financial Summary, Detailed Financial Reports, Branches

First Texoma National Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

First Texoma National Bank in Durant, Oklahoma (OK), TXOverview, Financial Summary, Detailed Financial Reports, Branches

First Texoma National Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

First Texoma National Bank in Durant, Oklahoma (OK), TX
Overview, Financial Summary, Detailed Financial Reports, Branches