The First National Bank and Trust Co., Chickasha, Oklahoma in Chickasha, Oklahoma (OK)

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The First National Bank and Trust Co., Chickasha, Oklahoma routing number info

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The First National Bank and Trust Co., Chickasha, Oklahoma
GeneralFDIC Certificate #: 4062
Status: Active
Federal Reserve ID: 154154
Bank Holding Company (Regulatory Top Holder): First Independent Bancorp, Inc. (RSSDID: 1065163, Location: Chickasha, OK)
Date Established: August 21, 1892
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: 11 (Domestic: 11, Interstate: No)
FDIC's unique #: 2637
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: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 01, 2007
Last Structure Change Process Date: March 14, 2007
Last Data Update: March 14, 2007
Data Source Date: April 05, 2012
LocationAddress: 302 Chickasha Avenue, Chickasha, OK 73018
County: Grady
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
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)
History of ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal assets: $386.8 mil
Equity capital: $51.5 mil
Deposits held in domestic offices: $332.5 mil
Return on assets (ROA): 1.57% ($6.1 mil)
Quarterly return on assets: 1.24% ($4.8 mil)
Return on Equity (ROE): 11.40% ($5.9 mil)
Quarterly return on equity: 9.04% ($4.7 mil)
Net income: $6.0 mil
Quarterly Net income: $1.2 mil
Pretax return on assets: 2.30% ($8,896.8 mil)
Quarterly Pretax return on assets: 1.93% ($7,465.6 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)142
Total assets$386,817
Cash and due from depository institutions$18,417
Interest-bearing balances$13,966
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$263,038
Loan loss allowance $3,427
Trading account assets$0
Bank premises and fixed assets$9,702
Other real estate owned$607
Goodwill and other intangibles$7,498
All other assets$7,281
Life insurance assets$386,817
Total liabilities and capital$335,279
Total liabilities$332,474
Total deposits$219,125
Interest-bearing deposits$332,474
Deposits held in domestic offices$93
% insured (estimated)200.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$980
Other borrowed funds $0
Subordinated debt $1,625
All other liabilities $51,538
Total equity capital$51,538
Total bank equity capital$51,538
Perpetual preferred stock$0
Common stock$1,200
Undivided profits $30,595
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 $3,956
Earning assets $0
Long-term assets (5+ years) $2,227
Average Assets, year-to-date $357,278
Average Assets, quarterly $99,876
Volatile liabilities $383,437
Insider loans $389,007
FHLB advances $266,097
Loans and leases held for sale $378,287
Unused loan commitments $1,259
Tier 1 (core) risk-based capital $1,259
Tier 2 risk-based capital $42,647
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $42,088
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $19,131
Total interest expense $1,551
Net interest income $17,580
Provision for loan and lease losses $1,695
Total noninterest income $4,633
Fiduciary activities $317
Service charges on deposit accounts $1,866
Trading account gains & fees $0
Additional noninterest income $2,450
Total noninterest expense $11,700
Salaries and employee benefits $6,167
Premises and equipment expense $1,397
Additional noninterest expense $4,136
Pre-tax net operating income $8,818
Securities gains (losses) $0
Applicable income taxes $2,797
Income before extraordinary items $6,021
Extraordinary gains - net $0
Net income attributable to bank $6,021
Net charge-offs $0
Cash dividends $6,021
Sale, conversion, retirement of capital stock, net $1,537
Net operating income $6,143
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.48%
Cost of funding earning assets 0.44%
Net interest margin 5.03%
Noninterest income to earning assets 1.33%
Noninterest expense to earning assets 3.35%
Net operating income to assets 1.57%
Return on assets (ROA) 1.57%
Pretax return on assets 2.30%
Return on equity (ROE) 11.40%
Retained earnings to average equity (YTD only) -0.23%
Net charge-offs to loans 0.60%
Credit loss provision to net charge-offs 110.28%
Efficiency ratio6.84%
Assets per employee$52,672
Cash dividends to net income (YTD only)2.72%
Condition Ratios (%)
Loss allowance to loans 102.03%
Loss allowance to noncurrent loans 1.29%
Noncurrent assets plus other real estate owned to assets 86.63%
Noncurrent loans to loans 1.18%
Net loans and leases to deposits1.48%
Net loans and leases to core deposits 79.12%
Equity capital to assets 81.18%
Core capital (leverage) ratio 13.32%
Tier 1 risk-based capital ratio 11.27%
Total risk-based capital ratio 16.03%
Average assets$17
Average earning assets$383,437
Average equity $52,834
Average loans $349,411
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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$68,954
Number of Accounts1
Personal trust and agency accounts$44,109
Employee benefit-defined contribution accounts$28,009
Employee benefit-defined benefit accounts$2,886
Other retirement accounts$0
Corporate trust and agency accounts$6,081
Investment management agency accounts$0
Other fiduciary accounts$7,133
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts95
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$24,845
Corporate trust and agency accounts$151
Other fiduciary accounts$20,372
Fiduciary accounts held in foreign offices$0
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11 Oklahoma Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02637The First National Bank And Trust Co., Chickasha, Oklahoma302 Chickasha Avenue, Chickasha, OK 73018August 21, 1892Full Service Brick and Mortar
1202259Chickasha Facility122 North 6th Street, Chickasha, OK 73018July 01, 1973Limited Service Facility
2202260Grand Avenue Branch602 Grand Avenue, Chickasha, OK 73018November 01, 1985Full Service Brick and Mortar
32611Alex Branch102 South Main Street, Alex, OK 73002April 17, 1912Full Service Brick and Mortar
42742Rush Springs Branch222 West Blakely Avenue, Rush Springs, OK 73082August 15, 1906Full Service Brick and Mortar
52709Minco Branch524 Sw 3rd Street, Minco, OK 73059January 01, 1889Full Service Brick and Mortar
632542Blanchard Branch1100 North Council Road, Blanchard, OK 73010April 15, 1985Full Service Brick and Mortar
7258531Newcastle Branch1308 North Main, Newcastle, OK 73065April 15, 1993Full Service Brick and Mortar
8258532Tuttle Branch5311 East Highway 37, Tuttle, OK 73089Febuary 02, 1998Full Service Brick and Mortar
912446Cyril Branch201 West Main Street, Cyril, OK 73029July 02, 1962Full Service Brick and Mortar
10499503South Okc Branch8504 Sw 59th Street, Oklahoma City, OK 73179November 18, 2009Full Service Brick and Mortar
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