The First National Bank and Trust Company of Miami in Miami, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches


The First National Bank and Trust Company of Miami - Overview

  • General
  • FDIC 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
    WWW: http://www.fnbmiami.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: 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 41Total employees (full-time equivalent)
  • $130,466Total assets
  • $13,868Cash and due from depository institutions
  • $9,113Interest-bearing balances
  • $23,840Securities
  • $4,404Federal funds sold & reverse repurchase agreements
  • $83,433Net loans & leases
  • $999Loan loss allowance
  • $0Trading account assets
  • $2,310Bank premises and fixed assets
  • $247Other real estate owned
  • $475Goodwill and other intangibles
  • $130,466Life insurance assets
  • $1,889All other assets
  • $118,283Total liabilities and capital
  • $117,852Total liabilities
  • $88,071Total deposits
  • $117,852Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $431Subordinated debt
  • $12,183All other liabilities
  • $12,183Total equity capital
  • $12,183Total bank equity capital
  • $0Perpetual preferred stock
  • $607Common stock
  • $3,361Surplus
  • $8,215Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,239Income earned, not collected on loans
  • $0Earning assets
  • $793Long-term assets (5+ years)
  • $120,790Average Assets, year-to-date
  • $14,329Average Assets, quarterly
  • $137,901Volatile liabilities
  • $129,057Insider loans
  • $86,817FHLB advances
  • $128,565Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,638Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,294Restructured Loans and leases
  • $657Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,497Total interest income
  • $561Total interest expense
  • $4,936Net interest income
  • $350Provision for loan and lease losses
  • $771Total noninterest income
  • $87Fiduciary activities
  • $284Service charges on deposit accounts
  • $0Trading account gains & fees
  • $400Additional noninterest income
  • $4,025Total noninterest expense
  • $2,250Salaries and employee benefits
  • $509Premises and equipment expense
  • $1,266Additional noninterest expense
  • $1,332Pre-tax net operating income
  • $0Securities gains (losses)
  • $386Applicable income taxes
  • $946Income before extraordinary items
  • $0Extraordinary gains - net
  • $946Net income attributable to bank
  • $0Net charge-offs
  • $946Cash dividends
  • $290Sale, conversion, retirement of capital stock, net
  • $156Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.23%Yield on earning assets
  • 0.43%Cost of funding earning assets
  • 3.80%Net interest margin
  • 0.59%Noninterest income to earning assets
  • 3.10%Noninterest expense to earning assets
  • 0.69%Net operating income to assets
  • 0.69%Return on assets (ROA)
  • 0.97%Pretax return on assets
  • 8.09%Return on equity (ROE)
  • 6.76%Retained earnings to average equity (YTD only)
  • 0.34%Net charge-offs to loans
  • 120.69%Credit loss provision to net charge-offs
  • 5.80%Efficiency ratio
  • 70,527Assets per employee
  • 3.18%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 16.49%Loss allowance to loans
  • 1.18%Loss allowance to noncurrent loans
  • 44.62%Noncurrent assets plus other real estate owned to assets
  • 1.91%Noncurrent loans to loans
  • 2.65%Net loans and leases to deposits
  • 70.79%Net loans and leases to core deposits
  • 71.44%Equity capital to assets
  • 9.34%Core capital (leverage) ratio
  • 9.83%Tier 1 risk-based capital ratio
  • 14.56%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $137,901Average earning assets
  • $11,694Average equity
  • $129,843Average 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
  • $17,789Managed Assets
  • 1Number of Accounts
  • $16,377Personal trust and agency accounts
  • $4,797Employee benefit-defined contribution accounts
  • $7,619Employee benefit-defined benefit accounts
  • $3,735Other retirement accounts
  • $0Corporate trust and agency accounts
  • $226Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 18Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1,412Other retirement accounts
  • $1,057Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $355Fiduciary accounts held in foreign offices

List of branches

  • 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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