Oklahoma Bank and Trust Company in Clinton, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

Oklahoma Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 4067
    Status: Active
    Federal Reserve ID: 159953
    Bank Holding Company (Regulatory Top Holder): Oklahoma Bancorporation, Inc. (RSSDID: 1065613, Location: Clinton, OK)
    Date Established: March 02, 1908
    WWW: http://www.oklahomabankandtrust.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 14509
    FDIC's unique #: 2641
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural 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: 600 Gary Boulevard, Clinton, OK 73601
    County: Custer
    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): Weatherford, OK (#48220)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $161.8 mil
    Equity capital: $19.9 mil
    Deposits held in domestic offices: $137.6 mil
    Return on assets (ROA): 1.28% ($2.1 mil)
    Quarterly return on assets: 1.13% ($1.8 mil)
    Return on Equity (ROE): 9.60% ($1.9 mil)
    Quarterly return on equity: 8.65% ($1.7 mil)
    Net income: $1.9 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.28% ($2,071.5 mil)
    Quarterly Pretax return on assets: 1.13% ($1,828.7 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
  • 33Total employees (full-time equivalent)
  • $161,833Total assets
  • $18,344Cash and due from depository institutions
  • $14,904Interest-bearing balances
  • $100,661Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $40,283Net loans & leases
  • $927Loan loss allowance
  • $0Trading account assets
  • $1,033Bank premises and fixed assets
  • $50Other real estate owned
  • $0Goodwill and other intangibles
  • $161,833Life insurance assets
  • $1,462All other assets
  • $141,903Total liabilities and capital
  • $137,602Total liabilities
  • $110,666Total deposits
  • $137,602Interest-bearing deposits
  • $74Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,613Trading liabilities
  • $0Other borrowed funds
  • $688Subordinated debt
  • $19,930All other liabilities
  • $19,930Total equity capital
  • $19,930Total bank equity capital
  • $0Perpetual preferred stock
  • $1,200Common stock
  • $1,800Surplus
  • $16,930Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $346Income earned, not collected on loans
  • $0Earning assets
  • $698Long-term assets (5+ years)
  • $155,848Average Assets, year-to-date
  • $45,119Average Assets, quarterly
  • $149,068Volatile liabilities
  • $154,434Insider loans
  • $57,915FHLB advances
  • $152,892Loans and leases held for sale
  • $185Unused loan commitments
  • $185Tier 1 (core) risk-based capital
  • $18,819Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,551Restructured Loans and leases
  • $2,625Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,901Total interest income
  • $999Total interest expense
  • $3,902Net interest income
  • $0Provision for loan and lease losses
  • $625Total noninterest income
  • $24Fiduciary activities
  • $408Service charges on deposit accounts
  • $0Trading account gains & fees
  • $193Additional noninterest income
  • $2,614Total noninterest expense
  • $1,639Salaries and employee benefits
  • $236Premises and equipment expense
  • $739Additional noninterest expense
  • $1,913Pre-tax net operating income
  • $1Securities gains (losses)
  • $0Applicable income taxes
  • $1,914Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,914Net income attributable to bank
  • $0Net charge-offs
  • $1,914Cash dividends
  • -$2Sale, conversion, retirement of capital stock, net
  • $1,650Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.41%Yield on earning assets
  • 0.69%Cost of funding earning assets
  • 2.71%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 1.82%Noninterest expense to earning assets
  • 1.28%Net operating income to assets
  • 1.28%Return on assets (ROA)
  • 1.28%Pretax return on assets
  • 9.60%Return on equity (ROE)
  • 1.32%Retained earnings to average equity (YTD only)
  • -0.01%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 57,742Assets per employee
  • 4.90%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 86.21%Loss allowance to loans
  • 2.25%Loss allowance to noncurrent loans
  • 267.92%Noncurrent assets plus other real estate owned to assets
  • 0.24%Noncurrent loans to loans
  • 0.84%Net loans and leases to deposits
  • 29.28%Net loans and leases to core deposits
  • 34.39%Equity capital to assets
  • 12.32%Core capital (leverage) ratio
  • 12.31%Tier 1 risk-based capital ratio
  • 32.49%Total risk-based capital ratio
  • Memoranda
  • $34Average assets
  • $149,068Average earning assets
  • $19,941Average equity
  • $143,763Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $11,507Managed Assets
  • 1Number of Accounts
  • $2,889Personal trust and agency accounts
  • $2,854Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $35Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 14Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $8,618Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 4 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02641Oklahoma Bank And Trust Company600 Gary Boulevard, Clinton, OK 73601March 02, 1908Full Service Brick and Mortar
    1202272Detached Drive-In Facility603 Gary Boulevard, Clinton, OK 73601May 24, 1982Limited Service Facility
    25737Arapaho Branch115 S 10th, Arapaho, OK 73620January 01, 1901Full Service Brick and Mortar
    3364768Operations Center Branch605 Frisco, Clinton, OK 73601July 01, 2001Limited Service Administrative

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