FDIC Certificate #: 27377 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The First National Bank and Trust Company of Miami (#4148) Federal Reserve ID: 1223552 Date Established: November 10, 1988 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Interstate: No) FDIC's unique #: 39705 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: November 10, 1988 Last Structure Change Effective Date: Febuary 27, 1998 Last Structure Change Process Date: March 18, 1998 Last Data Update: March 18, 1998 Data Source Date: April 05, 2012
Location
Address: 1749 North Main Street, Miami, OK 74354 County: Ottawa Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Kansas City FDIC Field Office: Tulsa Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West Core Based Statistical Area (CBSA): Miami, OK (#33060) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $19.7 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1997)
Dollar figures in thousands
13Total employees (full-time equivalent)
$19,739Total assets
$611Cash and due from depository institutions
$0Interest-bearing balances
$3,550Securities
$625Federal funds sold & reverse repurchase agreements
$13,691Net loans & leases
$146Loan loss allowance
$0Trading account assets
$592Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$670All other assets
$19,739Total liabilities and capital
$18,373Total liabilities
$18,211Total deposits
$15,638Interest-bearing deposits
$18,211Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$162All other liabilities
$1,366Total equity capital
$1,366Total bank equity capital
$1,366Perpetual preferred stock
$0Common stock
$200Surplus
$560Undivided profits
Memoranda
$606Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$37Earning assets
$0Long-term assets (5+ years)
$112Average Assets, year-to-date
$17,866Average Assets, quarterly
$252Volatile liabilities
$19,781Insider loans
$19,719FHLB advances
$3,676Loans and leases held for sale
$339Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$59Total unused commitments
$0Restructured Loans and leases
$12,254Derivatives
Income and Expense (December 31, 1997)
Dollar figures in thousands
$1,648Total interest income
$790Total interest expense
$858Net interest income
$55Provision for loan and lease losses
$168Total noninterest income
$0Fiduciary activities
$130Service charges on deposit accounts
$0Trading account gains & fees
$38Additional noninterest income
$759Total noninterest expense
$365Salaries and employee benefits
$115Premises and equipment expense
$279Additional noninterest expense
$212Pre-tax net operating income
$0Securities gains (losses)
$54Applicable income taxes
$158Income before extraordinary items
$0Extraordinary gains - net
$158Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$47Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 1997)
Dollar figures in thousands
Performance Ratios (%, annualized)
9.21%Yield on earning assets
4.41%Cost of funding earning assets
4.79%Net interest margin
0.94%Noninterest income to earning assets
4.24%Noninterest expense to earning assets
0.80%Net operating income to assets
0.80%Return on assets (ROA)
1.07%Pretax return on assets
12.30%Return on equity (ROE)
12.30%Retained earnings to average equity (YTD only)
0.34%Net charge-offs to loans
117.02%Credit loss provision to net charge-offs
5.68%Efficiency ratio
73,977Assets per employee
1.52%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.06%Loss allowance to noncurrent loans
394.59%Noncurrent assets plus other real estate owned to assets
0.19%Noncurrent loans to loans
0.27%Net loans and leases to deposits
75.18%Net loans and leases to core deposits
94.19%Equity capital to assets
6.92%Core capital (leverage) ratio
6.72%Tier 1 risk-based capital ratio
11.15%Total risk-based capital ratio
Memoranda
$12Average assets
$19,781Average earning assets
$1,284Average equity
$17,898Average loans
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