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

  • The First National Bank and Trust Company of Vinita in Vinita, Oklahoma (OK)
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The First National Bank and Trust Company of Vinita - Overview

  • General
  • FDIC Certificate #: 4218
    Status: Active
    Federal Reserve ID: 288358
    Bank Holding Company (Regulatory Top Holder): Craco, Inc. (RSSDID: 2072252, Location: Vinita, OK)
    Date Established: March 15, 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: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 14185
    FDIC's unique #: 2769
    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: 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: 102 West Illinois, Vinita, OK 74301
    County: Craig
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $227.7 mil
    Equity capital: $25.7 mil
    Deposits held in domestic offices: $190.2 mil
    Return on assets (ROA): 1.39% ($3.2 mil)
    Quarterly return on assets: 1.61% ($3.7 mil)
    Return on Equity (ROE): 13.99% ($3.6 mil)
    Quarterly return on equity: 14.52% ($3.8 mil)
    Net income: $3.2 mil
    Quarterly Net income: $0.9 mil
    Pretax return on assets: 1.39% ($3,164.9 mil)
    Quarterly Pretax return on assets: 1.61% ($3,665.8 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
  • 72Total employees (full-time equivalent)
  • $227,690Total assets
  • $5,005Cash and due from depository institutions
  • $22Interest-bearing balances
  • $72,084Securities
  • $1,000Federal funds sold & reverse repurchase agreements
  • $138,915Net loans & leases
  • $1,862Loan loss allowance
  • $0Trading account assets
  • $4,197Bank premises and fixed assets
  • $1,931Other real estate owned
  • $3Goodwill and other intangibles
  • $227,690Life insurance assets
  • $4,555All other assets
  • $202,019Total liabilities and capital
  • $190,150Total liabilities
  • $180,511Total deposits
  • $190,150Interest-bearing deposits
  • $75Deposits held in domestic offices
  • 385.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $11,000Trading liabilities
  • $0Other borrowed funds
  • $484Subordinated debt
  • $25,671All other liabilities
  • $25,671Total equity capital
  • $25,671Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $3,800Surplus
  • $21,571Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,345Income earned, not collected on loans
  • $0Earning assets
  • $1,226Long-term assets (5+ years)
  • $212,021Average Assets, year-to-date
  • $88,556Average Assets, quarterly
  • $229,651Volatile liabilities
  • $230,487Insider loans
  • $190,177FHLB advances
  • $235,441Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $21,412Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $20,794Restructured Loans and leases
  • $675Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,750Total interest income
  • $2,144Total interest expense
  • $9,606Net interest income
  • $782Provision for loan and lease losses
  • $1,900Total noninterest income
  • $26Fiduciary activities
  • $1,014Service charges on deposit accounts
  • $0Trading account gains & fees
  • $860Additional noninterest income
  • $7,613Total noninterest expense
  • $3,786Salaries and employee benefits
  • $757Premises and equipment expense
  • $3,070Additional noninterest expense
  • $3,111Pre-tax net operating income
  • $72Securities gains (losses)
  • $0Applicable income taxes
  • $3,183Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,183Net income attributable to bank
  • $0Net charge-offs
  • $3,183Cash dividends
  • $905Sale, conversion, retirement of capital stock, net
  • $2,227Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.49%Yield on earning assets
  • 1.00%Cost of funding earning assets
  • 4.49%Net interest margin
  • 0.89%Noninterest income to earning assets
  • 3.56%Noninterest expense to earning assets
  • 1.35%Net operating income to assets
  • 1.39%Return on assets (ROA)
  • 1.39%Pretax return on assets
  • 13.99%Return on equity (ROE)
  • 4.20%Retained earnings to average equity (YTD only)
  • 0.65%Net charge-offs to loans
  • 86.41%Credit loss provision to net charge-offs
  • 4.30%Efficiency ratio
  • 66,165Assets per employee
  • 3.16%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 69.97%Loss allowance to loans
  • 1.32%Loss allowance to noncurrent loans
  • 79.40%Noncurrent assets plus other real estate owned to assets
  • 1.88%Noncurrent loans to loans
  • 1.67%Net loans and leases to deposits
  • 73.06%Net loans and leases to core deposits
  • 94.18%Equity capital to assets
  • 11.27%Core capital (leverage) ratio
  • 9.09%Tier 1 risk-based capital ratio
  • 11.26%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $229,651Average earning assets
  • $22,755Average equity
  • $214,094Average loans

Total Fiduciary and Related Assets (December 31, 2010)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $32,060Managed Assets
  • 1Number of Accounts
  • $24,760Personal trust and agency accounts
  • $24,760Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 45Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $7,300Other retirement accounts
  • $7,300Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 4 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02769The First National Bank And Trust Co102 West Illinois, Vinita, OK 74301March 15, 1892Full Service Brick and Mortar
    1202412Motor Bank Branch239 North Wilson Street, Vinita, OK 74301June 03, 1972Full Service Brick and Mortar
    257039The First Natl Bk Of Grove Branch600 South Main Street, Grove, OK 74344September 04, 1996Full Service Brick and Mortar
    3423118Cleora Branch30776 Hwy 85, Cleora, OK 74331July 01, 2003Full Service Brick and Mortar

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