Walters Bank and Trust Company in Walters, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches


Walters Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 14260
    Status: Active
    Federal Reserve ID: 536853
    Date Established: April 14, 1934
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 8907
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: April 14, 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: 201 North Broadway, Walters, OK 73572
    County: Cotton
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $56.0 mil
    Equity capital: $13.0 mil
    Deposits held in domestic offices: $42.9 mil
    Return on assets (ROA): 0.81% ($0.5 mil)
    Quarterly return on assets: -1.07% (-$0.6 mil)
    Return on Equity (ROE): 3.45% ($0.4 mil)
    Quarterly return on equity: -4.51% (-$0.6 mil)
    Net income: $0.4 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 0.81% ($453.5 mil)
    Quarterly Pretax return on assets: -1.07% (-$599.1 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, 2011)

  • Dollar figures in thousands
  • 16Total employees (full-time equivalent)
  • $55,989Total assets
  • $10,497Cash and due from depository institutions
  • $8,350Interest-bearing balances
  • $22,212Securities
  • $318Federal funds sold & reverse repurchase agreements
  • $22,160Net loans & leases
  • $438Loan loss allowance
  • $0Trading account assets
  • $164Bank premises and fixed assets
  • $133Other real estate owned
  • $0Goodwill and other intangibles
  • $55,989Life insurance assets
  • $505All other assets
  • $42,950Total liabilities and capital
  • $42,917Total liabilities
  • $33,394Total deposits
  • $42,917Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $33Subordinated debt
  • $13,039All other liabilities
  • $13,039Total equity capital
  • $13,039Total bank equity capital
  • $0Perpetual preferred stock
  • $1,107Common stock
  • $1,107Surplus
  • $10,825Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $459Long-term assets (5+ years)
  • $53,040Average Assets, year-to-date
  • $6,450Average Assets, quarterly
  • $55,167Volatile liabilities
  • $55,394Insider loans
  • $20,518FHLB advances
  • $55,394Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,947Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,595Restructured Loans and leases
  • $25Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,272Total interest income
  • $189Total interest expense
  • $2,083Net interest income
  • $100Provision for loan and lease losses
  • $246Total noninterest income
  • $5Fiduciary activities
  • $203Service charges on deposit accounts
  • $0Trading account gains & fees
  • $38Additional noninterest income
  • $1,784Total noninterest expense
  • $1,137Salaries and employee benefits
  • $125Premises and equipment expense
  • $522Additional noninterest expense
  • $445Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $445Income before extraordinary items
  • $0Extraordinary gains - net
  • $445Net income attributable to bank
  • $0Net charge-offs
  • $445Cash dividends
  • $42Sale, conversion, retirement of capital stock, net
  • $391Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.35%Yield on earning assets
  • 0.36%Cost of funding earning assets
  • 3.99%Net interest margin
  • 0.47%Noninterest income to earning assets
  • 3.41%Noninterest expense to earning assets
  • 0.81%Net operating income to assets
  • 0.81%Return on assets (ROA)
  • 0.81%Pretax return on assets
  • 3.45%Return on equity (ROE)
  • 0.42%Retained earnings to average equity (YTD only)
  • 0.19%Net charge-offs to loans
  • 238.10%Credit loss provision to net charge-offs
  • 12.98%Efficiency ratio
  • 76,599Assets per employee
  • 3.50%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 87.87%Loss allowance to loans
  • 1.94%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.24%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 51.63%Net loans and leases to core deposits
  • 54.11%Equity capital to assets
  • 23.29%Core capital (leverage) ratio
  • 21.57%Tier 1 risk-based capital ratio
  • 58.23%Total risk-based capital ratio
  • Memoranda
  • $59Average assets
  • $55,167Average earning assets
  • $12,885Average equity
  • $52,250Average 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
  • $39,850Managed Assets
  • 1Number of Accounts
  • $39,850Personal trust and agency accounts
  • $39,850Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 21Number 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

  • 1 Oklahoma Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08907Walters Bank And Trust Company201 North Broadway, Walters, OK 73572April 14, 1934Full Service Brick and Mortar

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