The First National Bank and Trust Company of Vinita in city_name, state_name

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

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
WWW: http://www.fnbvinita.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: 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

No	ID	Name	Address	Established	Service Type
0	2769	The First National Bank And Trust Co	102 West Illinois, Vinita, OK 74301	March 15, 1892	Full Service Brick and Mortar
1	202412	Motor Bank Branch	239 North Wilson Street, Vinita, OK 74301	June 03, 1972	Full Service Brick and Mortar
2	57039	The First Natl Bk Of Grove Branch	600 South Main Street, Grove, OK 74344	September 04, 1996	Full Service Brick and Mortar
3	423118	Cleora Branch	30776 Hwy 85, Cleora, OK 74331	July 01, 2003	Full Service Brick and Mortar

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 - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2010)

List of branches

Comment about this bank, ask questions, or add new information about it:

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 - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2010)

List of branches

Comment about this bank, ask questions, or add new information about it:

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