The First National Bank and Trust Company of Miami in Miami, Oklahoma (OK)

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The First National Bank and Trust Company of Miami routing number info

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The First National Bank and Trust Company of Miami
GeneralFDIC Certificate #: 4148
Status: Active
Federal Reserve ID: 837158
Bank Holding Company (Regulatory Top Holder): First Miami Bancshares, Inc. (RSSDID: 1061316, Location: Miami, OK)
Date Established: January 01, 1900
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: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 2708
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: All Other Specialization < 1 Billion
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: 2 North Main Street, Miami, OK 74354
County: Ottawa
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Tulsa
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Core Based Statistical Area (CBSA): Miami, OK (#33060)
CBSA Micro Statistical Area: Yes
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $130.5 mil
Equity capital: $12.2 mil
Deposits held in domestic offices: $117.9 mil
Return on assets (ROA): 0.69% ($0.9 mil)
Quarterly return on assets: 0.44% ($0.6 mil)
Return on Equity (ROE): 8.09% ($1.0 mil)
Quarterly return on equity: 4.62% ($0.6 mil)
Net income: $0.9 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.97% ($1,265.5 mil)
Quarterly Pretax return on assets: 0.63% ($821.9 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)41
Total assets$130,466
Cash and due from depository institutions$13,868
Interest-bearing balances$9,113
Federal funds sold & reverse repurchase agreements$4,404
Net loans & leases$83,433
Loan loss allowance $999
Trading account assets$0
Bank premises and fixed assets$2,310
Other real estate owned$247
Goodwill and other intangibles$475
All other assets$1,889
Life insurance assets$130,466
Total liabilities and capital$118,283
Total liabilities$117,852
Total deposits$88,071
Interest-bearing deposits$117,852
Deposits held in domestic offices$80
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $431
All other liabilities $12,183
Total equity capital$12,183
Total bank equity capital$12,183
Perpetual preferred stock$0
Common stock$607
Undivided profits $8,215
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 $2,239
Earning assets $0
Long-term assets (5+ years) $793
Average Assets, year-to-date $120,790
Average Assets, quarterly $14,329
Volatile liabilities $137,901
Insider loans $129,057
FHLB advances $86,817
Loans and leases held for sale $128,565
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $12,638
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $8,294
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,497
Total interest expense $561
Net interest income $4,936
Provision for loan and lease losses $350
Total noninterest income $771
Fiduciary activities $87
Service charges on deposit accounts $284
Trading account gains & fees $0
Additional noninterest income $400
Total noninterest expense $4,025
Salaries and employee benefits $2,250
Premises and equipment expense $509
Additional noninterest expense $1,266
Pre-tax net operating income $1,332
Securities gains (losses) $0
Applicable income taxes $386
Income before extraordinary items $946
Extraordinary gains - net $0
Net income attributable to bank $946
Net charge-offs $0
Cash dividends $946
Sale, conversion, retirement of capital stock, net $290
Net operating income $156
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.23%
Cost of funding earning assets 0.43%
Net interest margin 3.80%
Noninterest income to earning assets 0.59%
Noninterest expense to earning assets 3.10%
Net operating income to assets 0.69%
Return on assets (ROA) 0.69%
Pretax return on assets 0.97%
Return on equity (ROE) 8.09%
Retained earnings to average equity (YTD only) 6.76%
Net charge-offs to loans 0.34%
Credit loss provision to net charge-offs 120.69%
Efficiency ratio5.80%
Assets per employee$70,527
Cash dividends to net income (YTD only)3.18%
Condition Ratios (%)
Loss allowance to loans 16.49%
Loss allowance to noncurrent loans 1.18%
Noncurrent assets plus other real estate owned to assets 44.62%
Noncurrent loans to loans 1.91%
Net loans and leases to deposits2.65%
Net loans and leases to core deposits 70.79%
Equity capital to assets 71.44%
Core capital (leverage) ratio 9.34%
Tier 1 risk-based capital ratio 9.83%
Total risk-based capital ratio 14.56%
Average assets$16
Average earning assets$137,901
Average equity $11,694
Average loans $129,843
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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$17,789
Number of Accounts1
Personal trust and agency accounts$16,377
Employee benefit-defined contribution accounts$4,797
Employee benefit-defined benefit accounts$7,619
Other retirement accounts$3,735
Corporate trust and agency accounts$0
Investment management agency accounts$226
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts18
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$1,412
Corporate trust and agency accounts$1,057
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$355
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3 Oklahoma Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02708The First National Bank And Trust Co2 North Main Street, Miami, OK 74354January 01, 1900Full Service Brick and Mortar
1202328Motor Bank Branch201-207 North Main Street, Miami, OK 74354January 02, 1958Limited Service Facility
2397051749 North Main Street Branch1749 North Main Street, Miami, OK 74354November 10, 1988Full Service Brick and Mortar
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