The First National Bank and Trust Co., Chickasha, Oklahoma in Chickasha, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

The First National Bank and Trust Co., Chickasha, Oklahoma - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total 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
  • 142Total employees (full-time equivalent)
  • $386,817Total assets
  • $18,417Cash and due from depository institutions
  • $13,966Interest-bearing balances
  • $80,274Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $263,038Net loans & leases
  • $3,427Loan loss allowance
  • $0Trading account assets
  • $9,702Bank premises and fixed assets
  • $607Other real estate owned
  • $7,498Goodwill and other intangibles
  • $386,817Life insurance assets
  • $7,281All other assets
  • $335,279Total liabilities and capital
  • $332,474Total liabilities
  • $219,125Total deposits
  • $332,474Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 200.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $980Trading liabilities
  • $0Other borrowed funds
  • $1,625Subordinated debt
  • $51,538All other liabilities
  • $51,538Total equity capital
  • $51,538Total bank equity capital
  • $0Perpetual preferred stock
  • $1,200Common stock
  • $19,743Surplus
  • $30,595Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,956Income earned, not collected on loans
  • $0Earning assets
  • $2,227Long-term assets (5+ years)
  • $357,278Average Assets, year-to-date
  • $99,876Average Assets, quarterly
  • $383,437Volatile liabilities
  • $389,007Insider loans
  • $266,097FHLB advances
  • $378,287Loans and leases held for sale
  • $1,259Unused loan commitments
  • $1,259Tier 1 (core) risk-based capital
  • $42,647Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $42,088Restructured Loans and leases
  • $7,424Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $19,131Total interest income
  • $1,551Total interest expense
  • $17,580Net interest income
  • $1,695Provision for loan and lease losses
  • $4,633Total noninterest income
  • $317Fiduciary activities
  • $1,866Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,450Additional noninterest income
  • $11,700Total noninterest expense
  • $6,167Salaries and employee benefits
  • $1,397Premises and equipment expense
  • $4,136Additional noninterest expense
  • $8,818Pre-tax net operating income
  • $0Securities gains (losses)
  • $2,797Applicable income taxes
  • $6,021Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,021Net income attributable to bank
  • $0Net charge-offs
  • $6,021Cash dividends
  • $1,537Sale, conversion, retirement of capital stock, net
  • $6,143Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.48%Yield on earning assets
  • 0.44%Cost of funding earning assets
  • 5.03%Net interest margin
  • 1.33%Noninterest income to earning assets
  • 3.35%Noninterest expense to earning assets
  • 1.57%Net operating income to assets
  • 1.57%Return on assets (ROA)
  • 2.30%Pretax return on assets
  • 11.40%Return on equity (ROE)
  • -0.23%Retained earnings to average equity (YTD only)
  • 0.60%Net charge-offs to loans
  • 110.28%Credit loss provision to net charge-offs
  • 6.84%Efficiency ratio
  • 52,672Assets per employee
  • 2.72%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 102.03%Loss allowance to loans
  • 1.29%Loss allowance to noncurrent loans
  • 86.63%Noncurrent assets plus other real estate owned to assets
  • 1.18%Noncurrent loans to loans
  • 1.48%Net loans and leases to deposits
  • 79.12%Net loans and leases to core deposits
  • 81.18%Equity capital to assets
  • 13.32%Core capital (leverage) ratio
  • 11.27%Tier 1 risk-based capital ratio
  • 16.03%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $383,437Average earning assets
  • $52,834Average equity
  • $349,411Average 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
  • $68,954Managed Assets
  • 1Number of Accounts
  • $44,109Personal trust and agency accounts
  • $28,009Employee benefit-defined contribution accounts
  • $2,886Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $6,081Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $7,133Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 95Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $24,845Other retirement accounts
  • $151Corporate trust and agency accounts
  • $20,372Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 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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