Walters Bank and Trust Company in Walters, Oklahoma (OK)

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Walters Bank and Trust Company
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)16
Total assets$55,989
Cash and due from depository institutions$10,497
Interest-bearing balances$8,350
Federal funds sold & reverse repurchase agreements$318
Net loans & leases$22,160
Loan loss allowance $438
Trading account assets$0
Bank premises and fixed assets$164
Other real estate owned$133
Goodwill and other intangibles$0
All other assets$505
Life insurance assets$55,989
Total liabilities and capital$42,950
Total liabilities$42,917
Total deposits$33,394
Interest-bearing deposits$42,917
Deposits held in domestic offices$87
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $33
All other liabilities $13,039
Total equity capital$13,039
Total bank equity capital$13,039
Perpetual preferred stock$0
Common stock$1,107
Undivided profits $10,825
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $0
Earning assets $0
Long-term assets (5+ years) $459
Average Assets, year-to-date $53,040
Average Assets, quarterly $6,450
Volatile liabilities $55,167
Insider loans $55,394
FHLB advances $20,518
Loans and leases held for sale $55,394
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $11,947
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,595
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,272
Total interest expense $189
Net interest income $2,083
Provision for loan and lease losses $100
Total noninterest income $246
Fiduciary activities $5
Service charges on deposit accounts $203
Trading account gains & fees $0
Additional noninterest income $38
Total noninterest expense $1,784
Salaries and employee benefits $1,137
Premises and equipment expense $125
Additional noninterest expense $522
Pre-tax net operating income $445
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $445
Extraordinary gains - net $0
Net income attributable to bank $445
Net charge-offs $0
Cash dividends $445
Sale, conversion, retirement of capital stock, net $42
Net operating income $391
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.35%
Cost of funding earning assets 0.36%
Net interest margin 3.99%
Noninterest income to earning assets 0.47%
Noninterest expense to earning assets 3.41%
Net operating income to assets 0.81%
Return on assets (ROA) 0.81%
Pretax return on assets 0.81%
Return on equity (ROE) 3.45%
Retained earnings to average equity (YTD only) 0.42%
Net charge-offs to loans 0.19%
Credit loss provision to net charge-offs 238.10%
Efficiency ratio12.98%
Assets per employee$76,599
Cash dividends to net income (YTD only)3.50%
Condition Ratios (%)
Loss allowance to loans 87.87%
Loss allowance to noncurrent loans 1.94%
Noncurrent assets plus other real estate owned to assets 0.00%
Noncurrent loans to loans 0.24%
Net loans and leases to deposits0.00%
Net loans and leases to core deposits 51.63%
Equity capital to assets 54.11%
Core capital (leverage) ratio 23.29%
Tier 1 risk-based capital ratio 21.57%
Total risk-based capital ratio 58.23%
Average assets$59
Average earning assets$55,167
Average equity $12,885
Average loans $52,250
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$39,850
Number of Accounts1
Personal trust and agency accounts$39,850
Employee benefit-defined contribution accounts$39,850
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts21
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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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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