The Security National Bank & Trust Co. of Duncan in Duncan, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 01, 1995

  • The Security National Bank & Trust Co. of Duncan in Duncan, Oklahoma (OK)
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The Security National Bank & Trust Co. of Duncan - Overview

  • General
  • FDIC Certificate #: 4082
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Amquest Bank, National Association (#19157)
    Federal Reserve ID: 713850
    Date Established: January 01, 1918
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Interstate: No)
    OTS Docket #: 10370
    FDIC's unique #: 2656
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: April 01, 1995
    Last Structure Change Process Date: April 17, 1995
    Last Data Update: April 17, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 16 South Ninth Street, Duncan, OK 73533
    County: Stephens
    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): Duncan, OK (#20340)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $171.2 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $89Total assets
  • $169,015Cash and due from depository institutions
  • $4,958Interest-bearing balances
  • $0Securities
  • $46,836Federal funds sold & reverse repurchase agreements
  • $1,825Net loans & leases
  • $111,415Loan loss allowance
  • $1,227Trading account assets
  • $0Bank premises and fixed assets
  • $1,929Other real estate owned
  • $4Goodwill and other intangibles
  • $2,048Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $169,015Total liabilities
  • $156,399Total deposits
  • $154,077Interest-bearing deposits
  • $131,100Deposits held in domestic offices
  • 154077.00%% insured (estimated)
  • $92Federal funds purchased & repurchase agreements
  • $1,200Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $1,122Total equity capital
  • $1,122Total bank equity capital
  • $12,616Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $2,000Undivided profits
  • Memoranda
  • $9,616Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,860Income earned, not collected on loans
  • $817Earning assets
  • $160,076Long-term assets (5+ years)
  • $26,805Average Assets, year-to-date
  • $168,088Average Assets, quarterly
  • $169,382Volatile liabilities
  • $10,751Insider loans
  • $1,477FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $3,477Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $12,820Total risk weighted assets
  • $112,736Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $11,984Total interest expense
  • $4,629Net interest income
  • $7,355Provision for loan and lease losses
  • -$50Total noninterest income
  • $1,933Fiduciary activities
  • $888Service charges on deposit accounts
  • $489Trading account gains & fees
  • $0Additional noninterest income
  • $556Total noninterest expense
  • $5,510Salaries and employee benefits
  • $3,001Premises and equipment expense
  • $608Additional noninterest expense
  • $1,901Pre-tax net operating income
  • $3,828Securities gains (losses)
  • -$8Applicable income taxes
  • $1,245Income before extraordinary items
  • $2,575Extraordinary gains - net
  • $0Net income attributable to bank
  • $2,575Net charge-offs
  • $51Cash dividends
  • $2,336Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.55%Cost of funding earning assets
  • 2.92%Net interest margin
  • 4.64%Noninterest income to earning assets
  • 1.22%Noninterest expense to earning assets
  • 3.47%Net operating income to assets
  • 1.54%Return on assets (ROA)
  • 1.53%Pretax return on assets
  • 2.27%Return on equity (ROE)
  • 19.75%Retained earnings to average equity (YTD only)
  • 1.83%Net charge-offs to loans
  • 0.05%Credit loss provision to net charge-offs
  • -98.04%Efficiency ratio
  • 59,324Assets per employee
  • 1.90%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 90.72%Loss allowance to loans
  • 1.09%Loss allowance to noncurrent loans
  • 65.97%Noncurrent assets plus other real estate owned to assets
  • 1.10%Noncurrent loans to loans
  • 1.65%Net loans and leases to deposits
  • 72.31%Net loans and leases to core deposits
  • 77.09%Equity capital to assets
  • 7.46%Core capital (leverage) ratio
  • 7.67%Tier 1 risk-based capital ratio
  • 11.37%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $168,088Average earning assets
  • $13,038Average equity
  • $158,663Average loans

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