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

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
    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
  • NoIDNameAddressEstablishedService TypeMap
    08697First Texoma National Bank220 West Main Street, Durant, OK 74701July 08, 1898Full Service Brick and Mortar
    1230626Motor Bank Branch420 West Main Street, Durant, OK 74701Febuary 25, 1972Limited Service Facility
    2230627Northwest Heights Branch1825 West University Boulevard, Durant, OK 74701December 30, 1986Full Service Brick and Mortar
    410712615 Hunter Branch615 Hunter, Boswell, OK 74727April 14, 1947Full Service Brick and Mortar
  • 3 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    5426498Post Oak Crossing Branch3401 Highway 1417, Sherman, TX 75092Febuary 26, 2004Full Service Brick and Mortar
    6442484Loy Lake Branch2626 Loy Lake Rd, Sherman, TX 75091April 22, 2005Full Service Brick and Mortar
    7452938Magnolia Crossing Branch26797 East Highway 380, Aubrey, TX 76227June 26, 2006Full Service Brick and Mortar

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