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

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

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The First National Bank and Trust Company of Okmulgee
GeneralFDIC Certificate #: 4170
Status: Active
Federal Reserve ID: 634955
Bank Holding Company (Regulatory Top Holder): First Okmulgee Corporation (RSSDID: 1056330, Location: Okmulgee, OK)
Date Established: April 02, 1917
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)
OTS Docket #: 11650
FDIC's unique #: 2728
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: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: September 11, 2006
Last Structure Change Process Date: October 02, 2006
Last Data Update: October 02, 2006
Data Source Date: April 05, 2012
LocationAddress: 610 East Eighth Street, Okmulgee, OK 74447
County: Okmulgee
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
Combined Statistical Area (CSA): Tulsa-Bartlesville, OK (#538)
Core Based Statistical Area (CBSA): Tulsa, OK (#46140)
CBSA Metro Statistical Area: Tulsa, OK (#46140)
History of ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal assets: $223.0 mil
Equity capital: $26.2 mil
Deposits held in domestic offices: $183.2 mil
Return on assets (ROA): 1.61% ($3.6 mil)
Quarterly return on assets: 1.29% ($2.9 mil)
Return on Equity (ROE): 13.70% ($3.6 mil)
Quarterly return on equity: 10.96% ($2.8 mil)
Net income: $3.5 mil
Quarterly Net income: $0.7 mil
Pretax return on assets: 1.61% ($3,591.1 mil)
Quarterly Pretax return on assets: 1.28% ($2,855.0 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)67
Total assets$223,047
Cash and due from depository institutions$9,040
Interest-bearing balances$2,355
Federal funds sold & reverse repurchase agreements$3,183
Net loans & leases$120,716
Loan loss allowance $2,642
Trading account assets$0
Bank premises and fixed assets$1,591
Other real estate owned$750
Goodwill and other intangibles$1,441
All other assets$8,411
Life insurance assets$223,047
Total liabilities and capital$196,835
Total liabilities$183,173
Total deposits$152,002
Interest-bearing deposits$183,173
Deposits held in domestic offices$79
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$12,760
Other borrowed funds $0
Subordinated debt $902
All other liabilities $26,212
Total equity capital$26,212
Total bank equity capital$26,212
Perpetual preferred stock$0
Common stock$1,000
Undivided profits $16,127
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 $5,091
Earning assets $47
Long-term assets (5+ years) $1,056
Average Assets, year-to-date $204,169
Average Assets, quarterly $51,209
Volatile liabilities $220,592
Insider loans $226,846
FHLB advances $147,491
Loans and leases held for sale $228,472
Unused loan commitments $5,162
Tier 1 (core) risk-based capital $2,586
Tier 2 risk-based capital $22,594
Total risk weighted assets $0
Total unused commitments $2,576
Restructured Loans and leases $14,388
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $9,787
Total interest expense $1,256
Net interest income $8,531
Provision for loan and lease losses $1,050
Total noninterest income $2,647
Fiduciary activities $219
Service charges on deposit accounts $1,005
Trading account gains & fees $0
Additional noninterest income $1,423
Total noninterest expense $6,675
Salaries and employee benefits $3,736
Premises and equipment expense $511
Additional noninterest expense $2,428
Pre-tax net operating income $3,453
Securities gains (losses) $89
Applicable income taxes $0
Income before extraordinary items $3,542
Extraordinary gains - net $0
Net income attributable to bank $3,542
Net charge-offs $0
Cash dividends $3,542
Sale, conversion, retirement of capital stock, net $1,057
Net operating income $3,226
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.81%
Cost of funding earning assets 0.62%
Net interest margin 4.20%
Noninterest income to earning assets 1.30%
Noninterest expense to earning assets 3.28%
Net operating income to assets 1.57%
Return on assets (ROA) 1.61%
Pretax return on assets 1.61%
Return on equity (ROE) 13.70%
Retained earnings to average equity (YTD only) 1.22%
Net charge-offs to loans 0.86%
Credit loss provision to net charge-offs 99.34%
Efficiency ratio4.26%
Assets per employee$59,716
Cash dividends to net income (YTD only)3.33%
Condition Ratios (%)
Loss allowance to loans 91.08%
Loss allowance to noncurrent loans 2.14%
Noncurrent assets plus other real estate owned to assets 51.90%
Noncurrent loans to loans 2.62%
Net loans and leases to deposits4.13%
Net loans and leases to core deposits 65.90%
Equity capital to assets 77.35%
Core capital (leverage) ratio 11.75%
Tier 1 risk-based capital ratio 9.89%
Total risk-based capital ratio 15.32%
Average assets$17
Average earning assets$220,592
Average equity $25,858
Average loans $203,282
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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$24,501
Number of Accounts1
Personal trust and agency accounts$24,035
Employee benefit-defined contribution accounts$23,715
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$320
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts24
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$466
Corporate trust and agency accounts$466
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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3 Oklahoma Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02728The First National Bank And Trust Co610 East Eighth Street, Okmulgee, OK 74447April 02, 1917Full Service Brick and Mortar
3202352Wal-Mart Branch1800 South Wood Drive, Okmulgee, OK 74447August 16, 1996Full Service Retail
413149First National Bank, Henryetta Branch4th And Trudgeon Streets, Henryetta, OK 74437January 02, 1965Full Service Brick and Mortar
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