The Waurika National Bank in Waurika, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 11, 2008

  • The Waurika National Bank in Waurika, Oklahoma (OK)
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The Waurika National Bank - Overview

  • General
  • FDIC Certificate #: 4223
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Bank & Trust Co. (#27394)
    Federal Reserve ID: 415051
    Date Established: November 16, 1907
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Interstate: No)
    OTS Docket #: 14186
    FDIC's unique #: 2772
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: April 11, 2008
    Last Structure Change Process Date: April 16, 2008
    Last Data Update: April 16, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 North Main Street, Waurika, OK 73573
    County: Jefferson
    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
  • Financial Summary
  • Total assets: $17.1 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, 2007)

  • Dollar figures in thousands
  • 7Total employees (full-time equivalent)
  • $16,908Total assets
  • $4,033Cash and due from depository institutions
  • $3,488Interest-bearing balances
  • $6,430Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $6,145Net loans & leases
  • $100Loan loss allowance
  • $0Trading account assets
  • $13Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $287All other assets
  • $16,908Total liabilities and capital
  • $15,204Total liabilities
  • $14,191Total deposits
  • $11,893Interest-bearing deposits
  • $14,191Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $401Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $500Other borrowed funds
  • $0Subordinated debt
  • $112All other liabilities
  • $1,704Total equity capital
  • $1,704Total bank equity capital
  • $1,704Perpetual preferred stock
  • $0Common stock
  • $19Surplus
  • $75Undivided profits
  • Memoranda
  • $1,610Noncurrent loans and leases
  • $662Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $10Earning assets
  • $0Long-term assets (5+ years)
  • $166Average Assets, year-to-date
  • $16,063Average Assets, quarterly
  • $5,926Volatile liabilities
  • $16,908Insider loans
  • $17,641FHLB advances
  • $3,992Loans and leases held for sale
  • $158Unused loan commitments
  • $500Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $662Total unused commitments
  • $0Restructured Loans and leases
  • $99Derivatives

Income and Expense (December 31, 2007)

  • Dollar figures in thousands
  • $1,064Total interest income
  • $478Total interest expense
  • $586Net interest income
  • -$84Provision for loan and lease losses
  • $167Total noninterest income
  • $0Fiduciary activities
  • $162Service charges on deposit accounts
  • $0Trading account gains & fees
  • $5Additional noninterest income
  • $608Total noninterest expense
  • $359Salaries and employee benefits
  • $54Premises and equipment expense
  • $195Additional noninterest expense
  • $229Pre-tax net operating income
  • $0Securities gains (losses)
  • $58Applicable income taxes
  • $171Income before extraordinary items
  • $0Extraordinary gains - net
  • $171Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $8Sale, conversion, retirement of capital stock, net
  • $75Net operating income

Performance and Condition Ratios (December 31, 2007)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.65%Yield on earning assets
  • 2.99%Cost of funding earning assets
  • 3.66%Net interest margin
  • 1.04%Noninterest income to earning assets
  • 3.80%Noninterest expense to earning assets
  • 1.01%Net operating income to assets
  • 1.01%Return on assets (ROA)
  • 1.35%Pretax return on assets
  • 11.00%Return on equity (ROE)
  • 6.18%Retained earnings to average equity (YTD only)
  • 0.13%Net charge-offs to loans
  • -1050.00%Credit loss provision to net charge-offs
  • 18.13%Efficiency ratio
  • 80,744Assets per employee
  • 2.42%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 43.86%Loss allowance to loans
  • 1.60%Loss allowance to noncurrent loans
  • 1000.00%Noncurrent assets plus other real estate owned to assets
  • 0.06%Noncurrent loans to loans
  • 0.16%Net loans and leases to deposits
  • 43.30%Net loans and leases to core deposits
  • 57.97%Equity capital to assets
  • 10.08%Core capital (leverage) ratio
  • 9.92%Tier 1 risk-based capital ratio
  • 21.94%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $16,908Average earning assets
  • $1,554Average equity
  • $15,998Average loans

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