The First Bank of Chattanooga in Chattanooga, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 16, 1997

  • The First Bank of Chattanooga in Chattanooga, Oklahoma (OK)
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The First Bank of Chattanooga - Overview

  • General
  • FDIC Certificate #: 4058
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: First Southwest Bank (#4100)
    Federal Reserve ID: 56454
    Date Established: January 01, 1920
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 2633
    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: January 01, 1934
    Last Structure Change Effective Date: May 16, 1997
    Last Structure Change Process Date: June 16, 1997
    Last Data Update: July 10, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 308 Madison, Chattanooga, OK 73528
    County: Comanche
    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): Lawton, OK (#4200)
    Core Based Statistical Area (CBSA): Lawton, OK (#30020)
    CBSA Metro Statistical Area: Lawton, OK (#30020)
  • History of Changes
  • Absorption - Without Assistance
  • Financial Summary
  • Total assets: $12.0 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $7Total assets
  • $12,289Cash and due from depository institutions
  • $356Interest-bearing balances
  • $0Securities
  • $3,918Federal funds sold & reverse repurchase agreements
  • $225Net loans & leases
  • $7,333Loan loss allowance
  • $268Trading account assets
  • $0Bank premises and fixed assets
  • $146Other real estate owned
  • $48Goodwill and other intangibles
  • $263Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $12,289Total liabilities
  • $11,521Total deposits
  • $11,447Interest-bearing deposits
  • $10,460Deposits held in domestic offices
  • 11447.00%% insured (estimated)
  • $98Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $74Total equity capital
  • $74Total bank equity capital
  • $768Perpetual preferred stock
  • $0Common stock
  • $200Surplus
  • $300Undivided profits
  • Memoranda
  • $268Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $217Income earned, not collected on loans
  • $149Earning assets
  • $11,476Long-term assets (5+ years)
  • $2,690Average Assets, year-to-date
  • $13,217Average Assets, quarterly
  • $12,564Volatile liabilities
  • $1,112Insider loans
  • $5FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $2,916Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $757Total risk weighted assets
  • $7,516Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $991Total interest expense
  • $526Net interest income
  • $465Provision for loan and lease losses
  • $449Total noninterest income
  • $91Fiduciary activities
  • $0Service charges on deposit accounts
  • $78Trading account gains & fees
  • $0Additional noninterest income
  • $13Total noninterest expense
  • $476Salaries and employee benefits
  • $217Premises and equipment expense
  • $41Additional noninterest expense
  • $218Pre-tax net operating income
  • -$369Securities gains (losses)
  • $0Applicable income taxes
  • -$149Income before extraordinary items
  • -$220Extraordinary gains - net
  • $0Net income attributable to bank
  • -$220Net charge-offs
  • $276Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.04%Cost of funding earning assets
  • 4.27%Net interest margin
  • 3.77%Noninterest income to earning assets
  • 0.74%Noninterest expense to earning assets
  • 3.86%Net operating income to assets
  • -1.66%Return on assets (ROA)
  • -1.66%Pretax return on assets
  • -2.79%Return on equity (ROE)
  • -23.75%Retained earnings to average equity (YTD only)
  • -23.75%Net charge-offs to loans
  • 3.59%Credit loss provision to net charge-offs
  • 162.68%Efficiency ratio
  • 85,612Assets per employee
  • 1.76%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.53%Loss allowance to noncurrent loans
  • 123.50%Noncurrent assets plus other real estate owned to assets
  • 2.16%Noncurrent loans to loans
  • 2.85%Net loans and leases to deposits
  • 64.06%Net loans and leases to core deposits
  • 70.95%Equity capital to assets
  • 6.25%Core capital (leverage) ratio
  • 5.66%Tier 1 risk-based capital ratio
  • 10.07%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $13,217Average earning assets
  • $926Average equity
  • $12,331Average loans

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