1st Bank & Trust in Broken Bow, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • 1st Bank & Trust in Broken Bow, Oklahoma (OK)
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1st Bank & Trust routing number info

1st Bank & Trust - Overview

  • General
  • FDIC Certificate #: 16419
    Status: Active
    Federal Reserve ID: 419255
    Bank Holding Company (Regulatory Top Holder): Southeastern Bancshares, Inc. (RSSDID: 1055780, Location: Broken Bow, OK)
    Date Established: May 06, 1946
    WWW: http://www.1stbankandtrust.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 17301
    FDIC's unique #: 10594
    Numeric code: 13
    Regulator: FED
    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: May 06, 1946
    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: 710 South Park Drive, Broken Bow, OK 74728
    County: Mccurtain
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $109.8 mil
    Equity capital: $11.8 mil
    Deposits held in domestic offices: $97.6 mil
    Return on assets (ROA): 2.41% ($2.7 mil)
    Quarterly return on assets: 1.94% ($2.1 mil)
    Return on Equity (ROE): 24.87% ($3.0 mil)
    Quarterly return on equity: 18.47% ($2.2 mil)
    Net income: $2.7 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 2.41% ($2,647.0 mil)
    Quarterly Pretax return on assets: 1.94% ($2,130.8 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
  • 40Total employees (full-time equivalent)
  • $109,834Total assets
  • $4,606Cash and due from depository institutions
  • $39Interest-bearing balances
  • $40,132Securities
  • $2,606Federal funds sold & reverse repurchase agreements
  • $53,307Net loans & leases
  • $848Loan loss allowance
  • $0Trading account assets
  • $6,514Bank premises and fixed assets
  • $172Other real estate owned
  • $0Goodwill and other intangibles
  • $109,834Life insurance assets
  • $2,497All other assets
  • $98,046Total liabilities and capital
  • $97,618Total liabilities
  • $73,432Total deposits
  • $97,618Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $201Trading liabilities
  • $0Other borrowed funds
  • $227Subordinated debt
  • $11,788All other liabilities
  • $11,788Total equity capital
  • $11,788Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $752Surplus
  • $10,536Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $190Income earned, not collected on loans
  • $0Earning assets
  • $758Long-term assets (5+ years)
  • $96,084Average Assets, year-to-date
  • $35,474Average Assets, quarterly
  • $110,058Volatile liabilities
  • $110,440Insider loans
  • $64,536FHLB advances
  • $111,225Loans and leases held for sale
  • $1,089Unused loan commitments
  • $1,089Tier 1 (core) risk-based capital
  • $10,891Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,920Restructured Loans and leases
  • $71Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,095Total interest income
  • $377Total interest expense
  • $4,718Net interest income
  • $231Provision for loan and lease losses
  • $1,460Total noninterest income
  • $0Fiduciary activities
  • $717Service charges on deposit accounts
  • $0Trading account gains & fees
  • $743Additional noninterest income
  • $3,293Total noninterest expense
  • $1,672Salaries and employee benefits
  • $666Premises and equipment expense
  • $955Additional noninterest expense
  • $2,654Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $2,654Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,654Net income attributable to bank
  • $0Net charge-offs
  • $2,654Cash dividends
  • $81Sale, conversion, retirement of capital stock, net
  • $625Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.30%Yield on earning assets
  • 0.39%Cost of funding earning assets
  • 4.91%Net interest margin
  • 1.52%Noninterest income to earning assets
  • 3.43%Noninterest expense to earning assets
  • 2.41%Net operating income to assets
  • 2.41%Return on assets (ROA)
  • 2.41%Pretax return on assets
  • 24.87%Return on equity (ROE)
  • 19.01%Retained earnings to average equity (YTD only)
  • 0.15%Net charge-offs to loans
  • 285.19%Credit loss provision to net charge-offs
  • 35.62%Efficiency ratio
  • 53,302Assets per employee
  • 2.75%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 23.55%Loss allowance to loans
  • 1.57%Loss allowance to noncurrent loans
  • 446.32%Noncurrent assets plus other real estate owned to assets
  • 0.33%Noncurrent loans to loans
  • 0.35%Net loans and leases to deposits
  • 54.61%Net loans and leases to core deposits
  • 56.43%Equity capital to assets
  • 10.73%Core capital (leverage) ratio
  • 9.79%Tier 1 risk-based capital ratio
  • 16.88%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $110,058Average earning assets
  • $10,672Average equity
  • $96,138Average loans

List of branches

  • 4 Oklahoma Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    0105941st Bank & Trust710 South Park Drive, Broken Bow, OK 74728May 06, 1946Full Service Brick and Mortar
    214558Wright City BranchState Highways 98 And 198, Wright City, OK 74766May 01, 1973Full Service Brick and Mortar
    3238057Hochatown BranchHighway 259 And Steven's Gap Access Road, Hochatown, OK 74728January 12, 1998Full Service Brick and Mortar
    44449861912 East Washington Branch1912 East Washington, Idabel, OK 74745October 03, 2005Full Service Brick and Mortar

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