The City National Bank and Trust Company of Guymon in Guymon, Oklahoma (OK)



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The City National Bank and Trust Company of Guymon
GeneralFDIC Certificate #: 4107
Status: Active
Federal Reserve ID: 131155
Bank Holding Company (Regulatory Top Holder): Docking Bancshares, Inc. (RSSDID: 3094121, Location: Arkansas City, KS)
Date Established: October 01, 1901
WWW: http://www.cnbguymon.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 1 (Domestic: 1, Interstate: No)
OTS Docket #: 13283
FDIC's unique #: 2678
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: Yes
Asset Concentration Hierarchy: Mortgage 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
LocationAddress: 601 North Main Street, Guymon, OK 73942
County: Texas
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Kansas City
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): Guymon, OK (#25100)
CBSA Micro Statistical Area: Yes
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $171.2 mil
Equity capital: $14.7 mil
Deposits held in domestic offices: $142.8 mil
Return on assets (ROA): 1.65% ($2.8 mil)
Quarterly return on assets: 1.48% ($2.5 mil)
Return on Equity (ROE): 19.49% ($2.9 mil)
Quarterly return on equity: 17.29% ($2.6 mil)
Net income: $2.8 mil
Quarterly Net income: $0.6 mil
Pretax return on assets: 1.65% ($2,824.6 mil)
Quarterly Pretax return on assets: 1.48% ($2,533.6 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)
Total employees (full-time equivalent)35
Total assets$171,188
Cash and due from depository institutions$6,351
Interest-bearing balances$383
Securities$96,114
Federal funds sold & reverse repurchase agreements$4,578
Net loans & leases$57,036
Loan loss allowance $871
Trading account assets$0
Bank premises and fixed assets$2,423
Other real estate owned$0
Goodwill and other intangibles$230
All other assets$4,456
Life insurance assets$171,188
Total liabilities and capital$156,494
Total liabilities$142,850
Total deposits$117,468
Interest-bearing deposits$142,850
Deposits held in domestic offices$70
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$10,262
Other borrowed funds $0
Subordinated debt $3,382
All other liabilities $14,694
Total equity capital$14,694
Total bank equity capital$14,694
Perpetual preferred stock$0
Common stock$1,000
Surplus$1,000
Undivided profits $12,694
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $31
Earning assets $0
Long-term assets (5+ years) $747
Average Assets, year-to-date $158,111
Average Assets, quarterly $115,258
Volatile liabilities $170,370
Insider loans $170,721
FHLB advances $74,382
Loans and leases held for sale $167,166
Unused loan commitments $2,394
Tier 1 (core) risk-based capital $2,394
Tier 2 risk-based capital $14,621
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $6,606
Derivatives$350
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $7,379
Total interest expense $1,280
Net interest income $6,099
Provision for loan and lease losses $0
Total noninterest income $929
Fiduciary activities $230
Service charges on deposit accounts $419
Trading account gains & fees $0
Additional noninterest income $280
Total noninterest expense $4,219
Salaries and employee benefits $2,724
Premises and equipment expense $269
Additional noninterest expense $1,226
Pre-tax net operating income $2,809
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $2,809
Extraordinary gains - net $0
Net income attributable to bank $2,809
Net charge-offs $0
Cash dividends $2,809
Sale, conversion, retirement of capital stock, net $104
Net operating income $1,954
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.65%
Cost of funding earning assets 0.81%
Net interest margin 3.84%
Noninterest income to earning assets 0.59%
Noninterest expense to earning assets 2.66%
Net operating income to assets 1.65%
Return on assets (ROA) 1.65%
Pretax return on assets 1.65%
Return on equity (ROE) 19.49%
Retained earnings to average equity (YTD only) 5.93%
Net charge-offs to loans 0.18%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio27.01%
Assets per employee$60,031
Cash dividends to net income (YTD only)4.89%
Condition Ratios (%)
Loss allowance to loans 69.56%
Loss allowance to noncurrent loans 1.50%
Noncurrent assets plus other real estate owned to assets 2809.68%
Noncurrent loans to loans 0.02%
Net loans and leases to deposits0.05%
Net loans and leases to core deposits 39.93%
Equity capital to assets 44.27%
Core capital (leverage) ratio 8.58%
Tier 1 risk-based capital ratio 8.75%
Total risk-based capital ratio 19.66%
Memoranda
Average assets$21
Average earning assets$170,370
Average equity $14,414
Average loans $158,796
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$20,624
Number of Accounts1
Personal trust and agency accounts$19,625
Employee benefit-defined contribution accounts$19,258
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$367
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts54
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$999
Corporate trust and agency accounts$176
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$823
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1 Oklahoma Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02678The City National Bank And Trust Com601 North Main Street, Guymon, OK 73942October 01, 1901Full Service Brick and Mortar
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