ONB Bank and Trust Company in Tulsa, Oklahoma (OK), MO

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ONB Bank and Trust Company
GeneralFDIC Certificate #: 35348
Status: Active
Federal Reserve ID: 2826316
Bank Holding Company (Regulatory Top Holder): Central Bancompany (RSSDID: 1094314, Location: Jefferson City, MO)
Date Established: January 20, 2000
WWW: http://www.onbbank.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 11 (Domestic: 11, Interstate: Yes)
FDIC's unique #: 78809
Numeric code: 21
Regulator: FDIC
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: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 20, 2000
Last Structure Change Effective Date: December 19, 2008
Last Structure Change Process Date: December 22, 2008
Last Data Update: December 22, 2008
Data Source Date: April 05, 2012
LocationAddress: 8908 South Yale Avenue, Suite 100, Tulsa, OK 74137
County: Tulsa
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Kansas City
FDIC Field Office: Tulsa
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Metropolitan Statistical Area (MSA): Tulsa, OK (#8560)
Combined Statistical Area (CSA): Tulsa-Bartlesville, OK (#538)
Core Based Statistical Area (CBSA): Tulsa, OK (#46140)
CBSA Metro Statistical Area: Tulsa, OK (#46140)
History of ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal assets: $607.6 mil
Equity capital: $123.5 mil
Deposits held in domestic offices: $482.0 mil
Return on assets (ROA): 0.41% ($2.5 mil)
Quarterly return on assets: 0.05% ($0.3 mil)
Return on Equity (ROE): 2.02% ($2.5 mil)
Quarterly return on equity: 0.23% ($0.3 mil)
Net income: $2.5 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.66% ($4,010.2 mil)
Quarterly Pretax return on assets: 0.07% ($425.3 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)
Total employees (full-time equivalent)111
Total assets$607,600
Cash and due from depository institutions$38,830
Interest-bearing balances$29,934
Federal funds sold & reverse repurchase agreements$5,066
Net loans & leases$467,463
Loan loss allowance $10,764
Trading account assets$0
Bank premises and fixed assets$11,138
Other real estate owned$6,398
Goodwill and other intangibles$58,144
All other assets$7,934
Life insurance assets$607,600
Total liabilities and capital$484,090
Total liabilities$482,045
Total deposits$415,074
Interest-bearing deposits$482,045
Deposits held in domestic offices$92
% insured (estimated)1568.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $477
All other liabilities $123,510
Total equity capital$123,510
Total bank equity capital$123,510
Perpetual preferred stock$0
Common stock$1,063
Undivided profits $105
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $225
Income earned, not collected on loans $27,391
Earning assets $3,942
Long-term assets (5+ years) $1,897
Average Assets, year-to-date $515,090
Average Assets, quarterly $23,975
Volatile liabilities $609,356
Insider loans $607,729
FHLB advances $475,898
Loans and leases held for sale $548,614
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $65,807
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $50,377
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $26,678
Total interest expense $4,781
Net interest income $21,897
Provision for loan and lease losses $4,395
Total noninterest income $2,151
Fiduciary activities $0
Service charges on deposit accounts $1,168
Trading account gains & fees $0
Additional noninterest income $983
Total noninterest expense $15,639
Salaries and employee benefits $7,572
Premises and equipment expense $1,835
Additional noninterest expense $6,232
Pre-tax net operating income $4,014
Securities gains (losses) $0
Applicable income taxes $1,541
Income before extraordinary items $2,473
Extraordinary gains - net $0
Net income attributable to bank $2,473
Net charge-offs $0
Cash dividends $2,473
Sale, conversion, retirement of capital stock, net $4,912
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.19%
Cost of funding earning assets 0.93%
Net interest margin 4.26%
Noninterest income to earning assets 0.42%
Noninterest expense to earning assets 3.04%
Net operating income to assets 0.41%
Return on assets (ROA) 0.41%
Pretax return on assets 0.66%
Return on equity (ROE) 2.02%
Retained earnings to average equity (YTD only) 2.02%
Net charge-offs to loans 1.02%
Credit loss provision to net charge-offs 89.47%
Efficiency ratio1.71%
Assets per employee$63,639
Cash dividends to net income (YTD only)5.47%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.25%
Noncurrent assets plus other real estate owned to assets 39.30%
Noncurrent loans to loans 5.56%
Net loans and leases to deposits5.73%
Net loans and leases to core deposits 96.97%
Equity capital to assets 113.96%
Core capital (leverage) ratio 20.33%
Tier 1 risk-based capital ratio 12.00%
Total risk-based capital ratio 13.83%
Average assets$15
Average earning assets$609,356
Average equity $122,453
Average loans $513,883
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1 Missouri Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
10493149Web Branch2116 Nelwood Drive, Columbia, MO 65202January 01, 2009Full Service Cyber
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10 Oklahoma Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
078809Onb Bank And Trust Company8908 South Yale Avenue, Suite 100, Tulsa, OK 74137January 20, 2000Full Service Brick and Mortar
1419387Sapulpa Branch615 S. Mission, Sapulpa, OK 74066April 10, 2002Full Service Brick and Mortar
2419388Midtown Branch2424 East 21st Street, Suite 100, Tulsa, OK 74114December 04, 2002Full Service Brick and Mortar
3419480South Tulsa Drive-Thru Branch4708 E 91st Street, Tulsa, OK 74137June 11, 2001Limited Service Facility
4423080Owasso Branch12502 East 96th Street North, Owasso, OK 74055September 29, 2003Full Service Brick and Mortar
5466620Edmond Branch3501 French Park Drive, Suite B, Edmond, OK 73034September 27, 2006Full Service Brick and Mortar
6360718East 61st Street Branch9004 East 61st Street, Tulsa, OK 74133March 30, 1998Full Service Brick and Mortar
7467972Southwest Boulevard Branch2420 Southwest Boulevard, Tulsa, OK 74107August 27, 2007Full Service Brick and Mortar
8469366Onb Bank And Trust Company623 South Main Street, Stillwater, OK 74074November 20, 2007Full Service Brick and Mortar
11526500Edmond Branch1358 East 15th, Edmond, OK 73013October 31, 2011Full Service Brick and Mortar
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