American National Bank of Duncan in Duncan, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 01, 1995

American National Bank of Duncan in Duncan, Oklahoma (OK)
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American National Bank of Duncan - Overview

General
FDIC Certificate #: 24525
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Amquest Bank, National Association (#19157)
Federal Reserve ID: 66659
Date Established: May 27, 1983
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 1 (Interstate: No)
FDIC's unique #: 17040
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: No
Date of Deposit Insurance: May 27, 1983
Last Structure Change Effective Date: October 01, 1995
Last Structure Change Process Date: October 24, 1995
Last Data Update: October 24, 1995
Data Source Date: April 05, 2012
Location
Address: 1616 Elk Street, Duncan, OK 73533
County: Stephens
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
Core Based Statistical Area (CBSA): Duncan, OK (#20340)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $43.4 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$26Total assets
$41,377Cash and due from depository institutions
$2,567Interest-bearing balances
$90Securities
$15,789Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$21,305Loan loss allowance
$198Trading account assets
$0Bank premises and fixed assets
$1,090Other real estate owned
$3Goodwill and other intangibles
$623Life insurance assets
$0All other assets
$0Total liabilities and capital
$41,377Total liabilities
$38,086Total deposits
$37,177Interest-bearing deposits
$30,621Deposits held in domestic offices
37177.00%% insured (estimated)
$92Federal funds purchased & repurchase agreements
$500Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$409Total equity capital
$409Total bank equity capital
$3,291Perpetual preferred stock
$0Common stock
$751Surplus
$751Undivided profits
Memoranda
$1,789Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$92Income earned, not collected on loans
$135Earning assets
$37,184Long-term assets (5+ years)
$6,966Average Assets, year-to-date
$42,602Average Assets, quarterly
$41,708Volatile liabilities
$3,934Insider loans
$421FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$813Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$3,418Total risk weighted assets
$21,801Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$2,914Total interest expense
$1,165Net interest income
$1,749Provision for loan and lease losses
$180Total noninterest income
$342Fiduciary activities
$0Service charges on deposit accounts
$300Trading account gains & fees
$0Additional noninterest income
$42Total noninterest expense
$1,879Salaries and employee benefits
$645Premises and equipment expense
$199Additional noninterest expense
$1,035Pre-tax net operating income
$32Securities gains (losses)
$1Applicable income taxes
-$50Income before extraordinary items
$83Extraordinary gains - net
$0Net income attributable to bank
$83Net charge-offs
$285Cash dividends
$90Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.54%Cost of funding earning assets
3.01%Net interest margin
4.52%Noninterest income to earning assets
0.88%Noninterest expense to earning assets
4.86%Net operating income to assets
0.19%Return on assets (ROA)
0.19%Pretax return on assets
0.08%Return on equity (ROE)
2.42%Retained earnings to average equity (YTD only)
-0.20%Net charge-offs to loans
1.27%Credit loss provision to net charge-offs
63.16%Efficiency ratio
89,861Assets per employee
1.59%Cash dividends to net income (YTD only)
Condition Ratios (%)
108.43%Loss allowance to loans
0.92%Loss allowance to noncurrent loans
215.22%Noncurrent assets plus other real estate owned to assets
0.23%Noncurrent loans to loans
0.43%Net loans and leases to deposits
57.31%Net loans and leases to core deposits
63.14%Equity capital to assets
7.95%Core capital (leverage) ratio
8.34%Tier 1 risk-based capital ratio
15.68%Total risk-based capital ratio
Memoranda
$17Average assets
$42,602Average earning assets
$3,433Average equity
$38,653Average loans

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