The Security National Bank of Enid in Enid, Oklahoma (OK)



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The Security National Bank of Enid routing number info

Table of contents:
The Security National Bank of Enid
GeneralFDIC Certificate #: 14966
Status: Active
Federal Reserve ID: 119153
Bank Holding Company (Regulatory Top Holder): Security Financial Services Corporation (RSSDID: 1064504, Location: Enid, OK)
Date Established: January 01, 1907
WWW: http://www.snbenid.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: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 9374
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: Commercial Lending Specialization
Date of Deposit Insurance: Febuary 02, 1935
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: 100 South Independence Avenue, Enid, OK 73701
County: Garfield
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
Metropolitan Statistical Area (MSA): Enid, OK (#2340)
Core Based Statistical Area (CBSA): Enid, OK (#21420)
CBSA Micro Statistical Area: Yes
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $338.0 mil
Equity capital: $30.8 mil
Deposits held in domestic offices: $307.1 mil
Return on assets (ROA): 2.27% ($7.7 mil)
Quarterly return on assets: 2.06% ($7.0 mil)
Return on Equity (ROE): 24.28% ($7.5 mil)
Quarterly return on equity: 21.67% ($6.7 mil)
Net income: $7.3 mil
Quarterly Net income: $1.7 mil
Pretax return on assets: 2.27% ($7,673.4 mil)
Quarterly Pretax return on assets: 2.06% ($6,963.5 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)58
Total assets$338,036
Cash and due from depository institutions$15,548
Interest-bearing balances$0
Securities$147,017
Federal funds sold & reverse repurchase agreements$16,642
Net loans & leases$154,209
Loan loss allowance $1,901
Trading account assets$0
Bank premises and fixed assets$2,354
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$2,266
Life insurance assets$338,036
Total liabilities and capital$307,237
Total liabilities$307,093
Total deposits$283,396
Interest-bearing deposits$307,093
Deposits held in domestic offices$78
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $144
All other liabilities $30,799
Total equity capital$30,799
Total bank equity capital$30,799
Perpetual preferred stock$0
Common stock$4,000
Surplus$4,000
Undivided profits $22,799
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 $776
Earning assets $0
Long-term assets (5+ years) $1,287
Average Assets, year-to-date $317,868
Average Assets, quarterly $211,542
Volatile liabilities $319,787
Insider loans $327,394
FHLB advances $208,999
Loans and leases held for sale $320,718
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $26,023
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $27,268
Derivatives$487
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $14,402
Total interest expense $2,037
Net interest income $12,365
Provision for loan and lease losses $518
Total noninterest income $1,199
Fiduciary activities $0
Service charges on deposit accounts $831
Trading account gains & fees $0
Additional noninterest income $368
Total noninterest expense $5,922
Salaries and employee benefits $3,701
Premises and equipment expense $658
Additional noninterest expense $1,563
Pre-tax net operating income $7,124
Securities gains (losses) $127
Applicable income taxes $0
Income before extraordinary items $7,251
Extraordinary gains - net $0
Net income attributable to bank $7,251
Net charge-offs $0
Cash dividends $7,251
Sale, conversion, retirement of capital stock, net $384
Net operating income $6,000
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.67%
Cost of funding earning assets 0.66%
Net interest margin 4.01%
Noninterest income to earning assets 0.39%
Noninterest expense to earning assets 1.92%
Net operating income to assets 2.23%
Return on assets (ROA) 2.27%
Pretax return on assets 2.27%
Return on equity (ROE) 24.28%
Retained earnings to average equity (YTD only) 4.19%
Net charge-offs to loans 0.25%
Credit loss provision to net charge-offs 134.90%
Efficiency ratio19.90%
Assets per employee$43,660
Cash dividends to net income (YTD only)5.83%
Condition Ratios (%)
Loss allowance to loans 82.75%
Loss allowance to noncurrent loans 1.22%
Noncurrent assets plus other real estate owned to assets 244.97%
Noncurrent loans to loans 0.23%
Net loans and leases to deposits0.50%
Net loans and leases to core deposits 50.22%
Equity capital to assets 55.98%
Core capital (leverage) ratio 9.11%
Tier 1 risk-based capital ratio 8.11%
Total risk-based capital ratio 12.45%
Memoranda
Average assets$13
Average earning assets$319,787
Average equity $29,859
Average loans $308,650
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3 Oklahoma Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
09374The Security National Bank Of Enid100 South Independence Avenue, Enid, OK 73701January 01, 1907Full Service Brick and Mortar
1232584Auto Bank Branch200 West Maine Street, Enid, OK 73701November 27, 1961Full Service Brick and Mortar
2232585West Office Branch210 North Oakwood Road, Enid, OK 73703January 04, 1993Full Service Brick and Mortar
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