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 routing number info

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The First National Bank and Trust Company of Vinita
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)72
Total assets$227,690
Cash and due from depository institutions$5,005
Interest-bearing balances$22
Federal funds sold & reverse repurchase agreements$1,000
Net loans & leases$138,915
Loan loss allowance $1,862
Trading account assets$0
Bank premises and fixed assets$4,197
Other real estate owned$1,931
Goodwill and other intangibles$3
All other assets$4,555
Life insurance assets$227,690
Total liabilities and capital$202,019
Total liabilities$190,150
Total deposits$180,511
Interest-bearing deposits$190,150
Deposits held in domestic offices$75
% insured (estimated)385.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$11,000
Other borrowed funds $0
Subordinated debt $484
All other liabilities $25,671
Total equity capital$25,671
Total bank equity capital$25,671
Perpetual preferred stock$0
Common stock$300
Undivided profits $21,571
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 $2,345
Earning assets $0
Long-term assets (5+ years) $1,226
Average Assets, year-to-date $212,021
Average Assets, quarterly $88,556
Volatile liabilities $229,651
Insider loans $230,487
FHLB advances $190,177
Loans and leases held for sale $235,441
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $21,412
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $20,794
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $11,750
Total interest expense $2,144
Net interest income $9,606
Provision for loan and lease losses $782
Total noninterest income $1,900
Fiduciary activities $26
Service charges on deposit accounts $1,014
Trading account gains & fees $0
Additional noninterest income $860
Total noninterest expense $7,613
Salaries and employee benefits $3,786
Premises and equipment expense $757
Additional noninterest expense $3,070
Pre-tax net operating income $3,111
Securities gains (losses) $72
Applicable income taxes $0
Income before extraordinary items $3,183
Extraordinary gains - net $0
Net income attributable to bank $3,183
Net charge-offs $0
Cash dividends $3,183
Sale, conversion, retirement of capital stock, net $905
Net operating income $2,227
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.49%
Cost of funding earning assets 1.00%
Net interest margin 4.49%
Noninterest income to earning assets 0.89%
Noninterest expense to earning assets 3.56%
Net operating income to assets 1.35%
Return on assets (ROA) 1.39%
Pretax return on assets 1.39%
Return on equity (ROE) 13.99%
Retained earnings to average equity (YTD only) 4.20%
Net charge-offs to loans 0.65%
Credit loss provision to net charge-offs 86.41%
Efficiency ratio4.30%
Assets per employee$66,165
Cash dividends to net income (YTD only)3.16%
Condition Ratios (%)
Loss allowance to loans 69.97%
Loss allowance to noncurrent loans 1.32%
Noncurrent assets plus other real estate owned to assets 79.40%
Noncurrent loans to loans 1.88%
Net loans and leases to deposits1.67%
Net loans and leases to core deposits 73.06%
Equity capital to assets 94.18%
Core capital (leverage) ratio 11.27%
Tier 1 risk-based capital ratio 9.09%
Total risk-based capital ratio 11.26%
Average assets$12
Average earning assets$229,651
Average equity $22,755
Average loans $214,094
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Total Fiduciary and Related Assets (December 31, 2010)
(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$32,060
Number of Accounts1
Personal trust and agency accounts$24,760
Employee benefit-defined contribution accounts$24,760
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts45
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$7,300
Corporate trust and agency accounts$7,300
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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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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