Lincoln Bank & Trust Company in Ardmore, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 17, 1999

  • Lincoln Bank & Trust Company in Ardmore, Oklahoma (OK)
  • Show street view No street view available for this location

Lincoln Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 19277
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Bank & Trust Co. (#27394)
    Federal Reserve ID: 318255
    Date Established: November 09, 1964
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    OTS Docket #: 9840
    FDIC's unique #: 13090
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: November 09, 1964
    Last Structure Change Effective Date: December 17, 1999
    Last Structure Change Process Date: January 01, 2000
    Last Data Update: January 01, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 301 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
  • Financial Summary
  • Total assets: $41.1 mil

1992 - 1999 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, 1998)

  • Dollar figures in thousands
  • 27Total employees (full-time equivalent)
  • $47,759Total assets
  • $3,702Cash and due from depository institutions
  • $0Interest-bearing balances
  • $29,465Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $11,566Net loans & leases
  • $156Loan loss allowance
  • $0Trading account assets
  • $2,322Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $704All other assets
  • $47,759Total liabilities and capital
  • $42,656Total liabilities
  • $30,407Total deposits
  • $26,788Interest-bearing deposits
  • $30,407Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $8,466Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $3,447Other borrowed funds
  • $0Subordinated debt
  • $336All other liabilities
  • $5,103Total equity capital
  • $5,103Total bank equity capital
  • $5,103Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $1,250Undivided profits
  • Memoranda
  • $2,853Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $0Long-term assets (5+ years)
  • $106Average Assets, year-to-date
  • $41,031Average Assets, quarterly
  • $8,431Volatile liabilities
  • $49,278Insider loans
  • $48,642FHLB advances
  • $13,191Loans and leases held for sale
  • $329Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $4,657Total unused commitments
  • $0Restructured Loans and leases
  • $25,823Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $3,032Total interest income
  • $1,696Total interest expense
  • $1,336Net interest income
  • $23Provision for loan and lease losses
  • $156Total noninterest income
  • $0Fiduciary activities
  • $91Service charges on deposit accounts
  • $0Trading account gains & fees
  • $65Additional noninterest income
  • $1,447Total noninterest expense
  • $760Salaries and employee benefits
  • $183Premises and equipment expense
  • $504Additional noninterest expense
  • $22Pre-tax net operating income
  • $42Securities gains (losses)
  • $0Applicable income taxes
  • $64Income before extraordinary items
  • $0Extraordinary gains - net
  • $64Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $12Sale, conversion, retirement of capital stock, net
  • $100Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.84%Yield on earning assets
  • 3.83%Cost of funding earning assets
  • 3.01%Net interest margin
  • 0.35%Noninterest income to earning assets
  • 3.26%Noninterest expense to earning assets
  • 0.04%Net operating income to assets
  • 0.13%Return on assets (ROA)
  • 0.13%Pretax return on assets
  • 1.23%Return on equity (ROE)
  • -0.69%Retained earnings to average equity (YTD only)
  • 0.11%Net charge-offs to loans
  • 191.67%Credit loss provision to net charge-offs
  • 3.75%Efficiency ratio
  • 96,984Assets per employee
  • 1.77%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 156.25%Loss allowance to loans
  • 1.33%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 38.04%Net loans and leases to core deposits
  • 44.95%Equity capital to assets
  • 10.68%Core capital (leverage) ratio
  • 10.28%Tier 1 risk-based capital ratio
  • 19.71%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $49,278Average earning assets
  • $5,183Average equity
  • $44,328Average loans

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