The First National Bank of Thomas in Thomas, Oklahoma (OK)



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The First National Bank of Thomas routing number info

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The First National Bank of Thomas
GeneralFDIC Certificate #: 4209
Status: Active
Federal Reserve ID: 328058
Bank Holding Company (Regulatory Top Holder): First Thomas Ban Corp. (RSSDID: 1057636, Location: Thomas, OK)
Date Established: May 28, 1904
WWW: http://www.fnbthomas.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 1 (Domestic: 1, Interstate: No)
OTS Docket #: 14735
FDIC's unique #: 2761
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: Other Specialized Lending < 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: 301 West Broadway, Thomas, OK 73669
County: Custer
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Oklahoma City
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Core Based Statistical Area (CBSA): Weatherford, OK (#48220)
CBSA Micro Statistical Area: Yes
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $40.9 mil
Equity capital: $6.6 mil
Deposits held in domestic offices: $34.2 mil
Return on assets (ROA): 1.08% ($0.4 mil)
Quarterly return on assets: 0.96% ($0.4 mil)
Return on Equity (ROE): 6.59% ($0.5 mil)
Quarterly return on equity: 5.98% ($0.4 mil)
Net income: $0.4 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 1.08% ($441.3 mil)
Quarterly Pretax return on assets: 0.96% ($392.3 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)10
Total assets$40,860
Cash and due from depository institutions$2,531
Interest-bearing balances$1,103
Securities$20,314
Federal funds sold & reverse repurchase agreements$1,049
Net loans & leases$15,662
Loan loss allowance $323
Trading account assets$0
Bank premises and fixed assets$44
Other real estate owned$66
Goodwill and other intangibles$0
All other assets$1,194
Life insurance assets$40,860
Total liabilities and capital$34,220
Total liabilities$34,198
Total deposits$29,862
Interest-bearing deposits$34,198
Deposits held in domestic offices$95
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$10
Other borrowed funds $0
Subordinated debt $12
All other liabilities $6,640
Total equity capital$6,640
Total bank equity capital$6,640
Perpetual preferred stock$0
Common stock$500
Surplus$500
Undivided profits $5,640
Memoranda
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 $534
Earning assets $0
Long-term assets (5+ years) $265
Average Assets, year-to-date $38,128
Average Assets, quarterly $14,509
Volatile liabilities $40,069
Insider loans $41,202
FHLB advances $23,204
Loans and leases held for sale $41,332
Unused loan commitments $574
Tier 1 (core) risk-based capital $574
Tier 2 risk-based capital $6,075
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,989
Derivatives$530
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,536
Total interest expense $237
Net interest income $1,299
Provision for loan and lease losses $15
Total noninterest income $231
Fiduciary activities $0
Service charges on deposit accounts $117
Trading account gains & fees $0
Additional noninterest income $114
Total noninterest expense $1,094
Salaries and employee benefits $613
Premises and equipment expense $120
Additional noninterest expense $361
Pre-tax net operating income $421
Securities gains (losses) $10
Applicable income taxes $0
Income before extraordinary items $431
Extraordinary gains - net $0
Net income attributable to bank $431
Net charge-offs $0
Cash dividends $431
Sale, conversion, retirement of capital stock, net -$9
Net operating income $400
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.32%
Cost of funding earning assets 0.67%
Net interest margin 3.65%
Noninterest income to earning assets 0.65%
Noninterest expense to earning assets 3.08%
Net operating income to assets 1.05%
Return on assets (ROA) 1.08%
Pretax return on assets 1.08%
Return on equity (ROE) 6.59%
Retained earnings to average equity (YTD only) 0.47%
Net charge-offs to loans -0.06%
Credit loss provision to net charge-offs -166.67%
Efficiency ratio0.00%
Assets per employee$71,503
Cash dividends to net income (YTD only)4.09%
Condition Ratios (%)
Loss allowance to loans 92.81%
Loss allowance to noncurrent loans 2.02%
Noncurrent assets plus other real estate owned to assets 60.49%
Noncurrent loans to loans 1.47%
Net loans and leases to deposits3.34%
Net loans and leases to core deposits 45.80%
Equity capital to assets 47.63%
Core capital (leverage) ratio 16.25%
Tier 1 risk-based capital ratio 14.70%
Total risk-based capital ratio 26.18%
Memoranda
Average assets$27
Average earning assets$40,069
Average equity $6,545
Average loans $35,546
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1 Oklahoma Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02761The First National Bank Of Thomas301 West Broadway, Thomas, OK 73669May 28, 1904Full Service Brick and Mortar
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