The Citizens National Bank and Trust Company, El Reno, Oklahoma in El Reno, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 10, 1993

  • The Citizens National Bank and Trust Company, El Reno, Oklahoma in El Reno, Oklahoma (OK)
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The Citizens National Bank and Trust Company, El Reno, Oklahoma - Overview

  • General
  • FDIC Certificate #: 4089
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The Peoples National Bank (#4128)
    Federal Reserve ID: 177153
    Date Established: September 15, 1891
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Interstate: No)
    FDIC's unique #: 2662
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: December 10, 1993
    Last Structure Change Process Date: December 20, 1993
    Last Data Update: December 20, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 100 South Rock Island, El Reno, OK 73036
    County: Canadian
    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
    Metropolitan Statistical Area (MSA): Oklahoma City, OK (#5880)
    Combined Statistical Area (CSA): Oklahoma City-Shawnee, OK (#416)
    Core Based Statistical Area (CBSA): Oklahoma City, OK (#36420)
    CBSA Metro Statistical Area: Oklahoma City, OK (#36420)
  • Financial Summary
  • Total assets: $45.0 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $33Total assets
  • $45,570Cash and due from depository institutions
  • $2,446Interest-bearing balances
  • $0Securities
  • $11,197Federal funds sold & reverse repurchase agreements
  • $1,615Net loans & leases
  • $27,491Loan loss allowance
  • $386Trading account assets
  • $0Bank premises and fixed assets
  • $718Other real estate owned
  • $1,456Goodwill and other intangibles
  • $647Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $45,570Total liabilities
  • $42,137Total deposits
  • $41,651Interest-bearing deposits
  • $34,696Deposits held in domestic offices
  • 41651.00%% insured (estimated)
  • $96Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $486Total equity capital
  • $486Total bank equity capital
  • $3,433Perpetual preferred stock
  • $0Common stock
  • $100Surplus
  • $500Undivided profits
  • Memoranda
  • $2,833Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $384Income earned, not collected on loans
  • $469Earning assets
  • $40,303Long-term assets (5+ years)
  • $979Average Assets, year-to-date
  • $44,447Average Assets, quarterly
  • $45,000Volatile liabilities
  • $800Insider loans
  • $42FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $3,263Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $3,433Total risk weighted assets
  • $30,736Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $3,759Total interest expense
  • $1,483Net interest income
  • $2,276Provision for loan and lease losses
  • $90Total noninterest income
  • $408Fiduciary activities
  • $0Service charges on deposit accounts
  • $288Trading account gains & fees
  • $0Additional noninterest income
  • $120Total noninterest expense
  • $1,821Salaries and employee benefits
  • $947Premises and equipment expense
  • $228Additional noninterest expense
  • $646Pre-tax net operating income
  • $773Securities gains (losses)
  • $7Applicable income taxes
  • $271Income before extraordinary items
  • $509Extraordinary gains - net
  • $2Net income attributable to bank
  • $511Net charge-offs
  • $83Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 9.54%Cost of funding earning assets
  • 3.76%Net interest margin
  • 5.77%Noninterest income to earning assets
  • 1.04%Noninterest expense to earning assets
  • 4.62%Net operating income to assets
  • 1.13%Return on assets (ROA)
  • 1.15%Pretax return on assets
  • 1.76%Return on equity (ROE)
  • 16.21%Retained earnings to average equity (YTD only)
  • 16.21%Net charge-offs to loans
  • 0.31%Credit loss provision to net charge-offs
  • 108.43%Efficiency ratio
  • 67,846Assets per employee
  • 1.38%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.38%Loss allowance to noncurrent loans
  • 100.52%Noncurrent assets plus other real estate owned to assets
  • 4.04%Noncurrent loans to loans
  • 1.38%Net loans and leases to deposits
  • 66.00%Net loans and leases to core deposits
  • 67.30%Equity capital to assets
  • 7.53%Core capital (leverage) ratio
  • 7.44%Tier 1 risk-based capital ratio
  • 11.17%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $44,447Average earning assets
  • $3,152Average equity
  • $39,418Average loans

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