United Bank & Trust Company of Norman in Norman, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 05, 1993

  • United Bank & Trust Company of Norman in Norman, Oklahoma (OK)
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United Bank & Trust Company of Norman - Overview

  • General
  • FDIC Certificate #: 22986
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: BancFirst (#27476)
    Federal Reserve ID: 854959
    Date Established: November 16, 1979
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 2 (Interstate: No)
    FDIC's unique #: 16087
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: November 16, 1979
    Last Structure Change Effective Date: Febuary 05, 1993
    Last Structure Change Process Date: Febuary 23, 1993
    Last Data Update: Febuary 23, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 333 12th Avenue, S.E., Norman, OK 73071
    County: Cleveland
    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): Oklahoma City, OK (#5880)
    Combined Statistical Area (CSA): Oklahoma City-Shawnee, OK (#416)
    Core Based Statistical Area (CBSA): Oklahoma City, OK (#36420)
    CBSA Metro Statistical Area: Oklahoma City, OK (#36420)
  • Financial Summary
  • Total assets: $36.9 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $30Total assets
  • $36,876Cash and due from depository institutions
  • $1,225Interest-bearing balances
  • $0Securities
  • $5,465Federal funds sold & reverse repurchase agreements
  • $6,440Net loans & leases
  • $17,090Loan loss allowance
  • $339Trading account assets
  • $0Bank premises and fixed assets
  • $1,614Other real estate owned
  • $4,654Goodwill and other intangibles
  • $388Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $36,876Total liabilities
  • $34,275Total deposits
  • $33,969Interest-bearing deposits
  • $28,140Deposits held in domestic offices
  • 33969.00%% insured (estimated)
  • $91Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $306Total equity capital
  • $306Total bank equity capital
  • $2,601Perpetual preferred stock
  • $0Common stock
  • $565Surplus
  • $1,776Undivided profits
  • Memoranda
  • $260Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $557Income earned, not collected on loans
  • $146Earning assets
  • $28,995Long-term assets (5+ years)
  • $8,079Average Assets, year-to-date
  • $36,032Average Assets, quarterly
  • $36,535Volatile liabilities
  • $5,182Insider loans
  • $38FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $753Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $2,601Total risk weighted assets
  • $24,682Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $2,582Total interest expense
  • $1,226Net interest income
  • $1,356Provision for loan and lease losses
  • $40Total noninterest income
  • $864Fiduciary activities
  • $0Service charges on deposit accounts
  • $576Trading account gains & fees
  • $0Additional noninterest income
  • $288Total noninterest expense
  • $1,726Salaries and employee benefits
  • $725Premises and equipment expense
  • $256Additional noninterest expense
  • $745Pre-tax net operating income
  • $454Securities gains (losses)
  • $0Applicable income taxes
  • $0Income before extraordinary items
  • $454Extraordinary gains - net
  • $0Net income attributable to bank
  • $454Net charge-offs
  • -$14Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $327Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 9.39%Cost of funding earning assets
  • 4.46%Net interest margin
  • 4.93%Noninterest income to earning assets
  • 3.14%Noninterest expense to earning assets
  • 6.28%Net operating income to assets
  • 1.26%Return on assets (ROA)
  • 1.26%Pretax return on assets
  • 1.26%Return on equity (ROE)
  • 20.95%Retained earnings to average equity (YTD only)
  • 20.95%Net charge-offs to loans
  • -0.08%Credit loss provision to net charge-offs
  • -285.71%Efficiency ratio
  • 77,748Assets per employee
  • 1.23%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.95%Loss allowance to noncurrent loans
  • 60.86%Noncurrent assets plus other real estate owned to assets
  • 14.13%Noncurrent loans to loans
  • 3.20%Net loans and leases to deposits
  • 50.31%Net loans and leases to core deposits
  • 59.37%Equity capital to assets
  • 7.05%Core capital (leverage) ratio
  • 7.04%Tier 1 risk-based capital ratio
  • 10.54%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $36,032Average earning assets
  • $2,167Average equity
  • $27,497Average loans

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