Vision Bank, National Association in Ada, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

Vision Bank, National Association - Overview

  • General
  • FDIC Certificate #: 4029
    Status: Active
    Federal Reserve ID: 241157
    Bank Holding Company (Regulatory Top Holder): Vision Bancshares, Inc. (RSSDID: 3292253, Location: Ada, OK)
    Date Established: November 01, 1924
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 9919
    FDIC's unique #: 2610
    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: January 01, 1934
    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: 101 East Main Street, Ada, OK 74820
    County: Pontotoc
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Tulsa
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Ada, OK (#10220)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $552.0 mil
    Equity capital: $52.4 mil
    Deposits held in domestic offices: $412.2 mil
    Return on assets (ROA): 1.06% ($5.9 mil)
    Quarterly return on assets: 1.51% ($8.3 mil)
    Return on Equity (ROE): 12.37% ($6.4 mil)
    Quarterly return on equity: 15.94% ($8.3 mil)
    Net income: $6.0 mil
    Quarterly Net income: $2.1 mil
    Pretax return on assets: 1.06% ($5,851.4 mil)
    Quarterly Pretax return on assets: 1.51% ($8,335.4 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
  • 197Total employees (full-time equivalent)
  • $552,016Total assets
  • $28,903Cash and due from depository institutions
  • $6,131Interest-bearing balances
  • $137,446Securities
  • $13,173Federal funds sold & reverse repurchase agreements
  • $336,872Net loans & leases
  • $4,122Loan loss allowance
  • $0Trading account assets
  • $17,582Bank premises and fixed assets
  • $1,825Other real estate owned
  • $532Goodwill and other intangibles
  • $552,016Life insurance assets
  • $15,683All other assets
  • $499,640Total liabilities and capital
  • $412,153Total liabilities
  • $389,466Total deposits
  • $412,153Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 65991.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $18,170Trading liabilities
  • $0Other borrowed funds
  • $3,326Subordinated debt
  • $52,376All other liabilities
  • $52,376Total equity capital
  • $52,376Total bank equity capital
  • $0Perpetual preferred stock
  • $1,384Common stock
  • $5,616Surplus
  • $45,376Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $122Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,201Income earned, not collected on loans
  • $760Earning assets
  • $2,699Long-term assets (5+ years)
  • $493,622Average Assets, year-to-date
  • $169,487Average Assets, quarterly
  • $564,151Volatile liabilities
  • $545,116Insider loans
  • $368,019FHLB advances
  • $544,856Loans and leases held for sale
  • $6,156Unused loan commitments
  • $6,156Tier 1 (core) risk-based capital
  • $48,980Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $23,872Restructured Loans and leases
  • $13,025Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $25,424Total interest income
  • $4,403Total interest expense
  • $21,021Net interest income
  • $1,828Provision for loan and lease losses
  • $5,140Total noninterest income
  • $627Fiduciary activities
  • $2,219Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,294Additional noninterest income
  • $18,259Total noninterest expense
  • $10,288Salaries and employee benefits
  • $2,213Premises and equipment expense
  • $5,758Additional noninterest expense
  • $6,074Pre-tax net operating income
  • -$68Securities gains (losses)
  • $0Applicable income taxes
  • $6,006Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,006Net income attributable to bank
  • $0Net charge-offs
  • $6,006Cash dividends
  • $1,818Sale, conversion, retirement of capital stock, net
  • $2,630Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.96%Yield on earning assets
  • 0.86%Cost of funding earning assets
  • 4.10%Net interest margin
  • 1.00%Noninterest income to earning assets
  • 3.56%Noninterest expense to earning assets
  • 1.08%Net operating income to assets
  • 1.06%Return on assets (ROA)
  • 1.06%Pretax return on assets
  • 12.37%Return on equity (ROE)
  • 6.95%Retained earnings to average equity (YTD only)
  • 0.53%Net charge-offs to loans
  • 100.55%Credit loss provision to net charge-offs
  • 4.35%Efficiency ratio
  • 69,795Assets per employee
  • 2.80%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 43.79%Loss allowance to loans
  • 1.21%Loss allowance to noncurrent loans
  • 66.47%Noncurrent assets plus other real estate owned to assets
  • 1.50%Noncurrent loans to loans
  • 1.82%Net loans and leases to deposits
  • 81.73%Net loans and leases to core deposits
  • 93.66%Equity capital to assets
  • 9.49%Core capital (leverage) ratio
  • 8.99%Tier 1 risk-based capital ratio
  • 13.31%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $564,151Average earning assets
  • $48,557Average equity
  • $512,291Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $94,890Managed Assets
  • 1Number of Accounts
  • $94,890Personal trust and agency accounts
  • $51,485Employee benefit-defined contribution accounts
  • $1,285Employee benefit-defined benefit accounts
  • $27,551Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $12,764Fiduciary accounts held in foreign offices
  • $1,805Non-managed Assets
  • 103Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 7 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02610Vision Bank, National Association101 East Main Street, Ada, OK 74820November 01, 1924Full Service Brick and Mortar
    1202230Motor Bank Branch1200 East 12th Street, Ada, OK 74820September 11, 1961Full Service Brick and Mortar
    2202231Arlington Center Branch1800 Arlington, Ada, OK 74820June 02, 1997Full Service Brick and Mortar
    32738Prague Branch802 Jim Thorpe Blvd, Prague, OK 74864April 05, 1906Full Service Brick and Mortar
    4202363Meeker Branch409 South Dawson, Meeker, OK 74855December 09, 1996Full Service Brick and Mortar
    5453560Durant Branch2514 University Boulevard, Durant, OK 74701April 17, 2006Full Service Brick and Mortar
    6506565Shawnee Branch4301 N. Harrison Street, Shawnee, OK 74804Febuary 21, 2009Full Service Brick and Mortar

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