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

The First National Bank and Trust Company of Okmulgee - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total 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
  • 67Total employees (full-time equivalent)
  • $223,047Total assets
  • $9,040Cash and due from depository institutions
  • $2,355Interest-bearing balances
  • $77,915Securities
  • $3,183Federal funds sold & reverse repurchase agreements
  • $120,716Net loans & leases
  • $2,642Loan loss allowance
  • $0Trading account assets
  • $1,591Bank premises and fixed assets
  • $750Other real estate owned
  • $1,441Goodwill and other intangibles
  • $223,047Life insurance assets
  • $8,411All other assets
  • $196,835Total liabilities and capital
  • $183,173Total liabilities
  • $152,002Total deposits
  • $183,173Interest-bearing deposits
  • $79Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $12,760Trading liabilities
  • $0Other borrowed funds
  • $902Subordinated debt
  • $26,212All other liabilities
  • $26,212Total equity capital
  • $26,212Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $9,085Surplus
  • $16,127Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,091Income earned, not collected on loans
  • $47Earning assets
  • $1,056Long-term assets (5+ years)
  • $204,169Average Assets, year-to-date
  • $51,209Average Assets, quarterly
  • $220,592Volatile liabilities
  • $226,846Insider loans
  • $147,491FHLB advances
  • $228,472Loans and leases held for sale
  • $5,162Unused loan commitments
  • $2,586Tier 1 (core) risk-based capital
  • $22,594Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,576Total unused commitments
  • $14,388Restructured Loans and leases
  • $5,873Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,787Total interest income
  • $1,256Total interest expense
  • $8,531Net interest income
  • $1,050Provision for loan and lease losses
  • $2,647Total noninterest income
  • $219Fiduciary activities
  • $1,005Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,423Additional noninterest income
  • $6,675Total noninterest expense
  • $3,736Salaries and employee benefits
  • $511Premises and equipment expense
  • $2,428Additional noninterest expense
  • $3,453Pre-tax net operating income
  • $89Securities gains (losses)
  • $0Applicable income taxes
  • $3,542Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,542Net income attributable to bank
  • $0Net charge-offs
  • $3,542Cash dividends
  • $1,057Sale, conversion, retirement of capital stock, net
  • $3,226Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.81%Yield on earning assets
  • 0.62%Cost of funding earning assets
  • 4.20%Net interest margin
  • 1.30%Noninterest income to earning assets
  • 3.28%Noninterest expense to earning assets
  • 1.57%Net operating income to assets
  • 1.61%Return on assets (ROA)
  • 1.61%Pretax return on assets
  • 13.70%Return on equity (ROE)
  • 1.22%Retained earnings to average equity (YTD only)
  • 0.86%Net charge-offs to loans
  • 99.34%Credit loss provision to net charge-offs
  • 4.26%Efficiency ratio
  • 59,716Assets per employee
  • 3.33%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 91.08%Loss allowance to loans
  • 2.14%Loss allowance to noncurrent loans
  • 51.90%Noncurrent assets plus other real estate owned to assets
  • 2.62%Noncurrent loans to loans
  • 4.13%Net loans and leases to deposits
  • 65.90%Net loans and leases to core deposits
  • 77.35%Equity capital to assets
  • 11.75%Core capital (leverage) ratio
  • 9.89%Tier 1 risk-based capital ratio
  • 15.32%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $220,592Average earning assets
  • $25,858Average equity
  • $203,282Average 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
  • $24,501Managed Assets
  • 1Number of Accounts
  • $24,035Personal trust and agency accounts
  • $23,715Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $320Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 24Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $466Other retirement accounts
  • $466Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 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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