The Security National Bank of Enid in Enid, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Security National Bank of Enid - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 58Total employees (full-time equivalent)
  • $338,036Total assets
  • $15,548Cash and due from depository institutions
  • $0Interest-bearing balances
  • $147,017Securities
  • $16,642Federal funds sold & reverse repurchase agreements
  • $154,209Net loans & leases
  • $1,901Loan loss allowance
  • $0Trading account assets
  • $2,354Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $338,036Life insurance assets
  • $2,266All other assets
  • $307,237Total liabilities and capital
  • $307,093Total liabilities
  • $283,396Total deposits
  • $307,093Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $144Subordinated debt
  • $30,799All other liabilities
  • $30,799Total equity capital
  • $30,799Total bank equity capital
  • $0Perpetual preferred stock
  • $4,000Common stock
  • $4,000Surplus
  • $22,799Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $776Income earned, not collected on loans
  • $0Earning assets
  • $1,287Long-term assets (5+ years)
  • $317,868Average Assets, year-to-date
  • $211,542Average Assets, quarterly
  • $319,787Volatile liabilities
  • $327,394Insider loans
  • $208,999FHLB advances
  • $320,718Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $26,023Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $27,268Restructured Loans and leases
  • $487Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $14,402Total interest income
  • $2,037Total interest expense
  • $12,365Net interest income
  • $518Provision for loan and lease losses
  • $1,199Total noninterest income
  • $0Fiduciary activities
  • $831Service charges on deposit accounts
  • $0Trading account gains & fees
  • $368Additional noninterest income
  • $5,922Total noninterest expense
  • $3,701Salaries and employee benefits
  • $658Premises and equipment expense
  • $1,563Additional noninterest expense
  • $7,124Pre-tax net operating income
  • $127Securities gains (losses)
  • $0Applicable income taxes
  • $7,251Income before extraordinary items
  • $0Extraordinary gains - net
  • $7,251Net income attributable to bank
  • $0Net charge-offs
  • $7,251Cash dividends
  • $384Sale, conversion, retirement of capital stock, net
  • $6,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.67%Yield on earning assets
  • 0.66%Cost of funding earning assets
  • 4.01%Net interest margin
  • 0.39%Noninterest income to earning assets
  • 1.92%Noninterest expense to earning assets
  • 2.23%Net operating income to assets
  • 2.27%Return on assets (ROA)
  • 2.27%Pretax return on assets
  • 24.28%Return on equity (ROE)
  • 4.19%Retained earnings to average equity (YTD only)
  • 0.25%Net charge-offs to loans
  • 134.90%Credit loss provision to net charge-offs
  • 19.90%Efficiency ratio
  • 43,660Assets per employee
  • 5.83%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 82.75%Loss allowance to loans
  • 1.22%Loss allowance to noncurrent loans
  • 244.97%Noncurrent assets plus other real estate owned to assets
  • 0.23%Noncurrent loans to loans
  • 0.50%Net loans and leases to deposits
  • 50.22%Net loans and leases to core deposits
  • 55.98%Equity capital to assets
  • 9.11%Core capital (leverage) ratio
  • 8.11%Tier 1 risk-based capital ratio
  • 12.45%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $319,787Average earning assets
  • $29,859Average equity
  • $308,650Average loans

List of branches

  • 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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