Central National Bank & Trust Co., of Enid in city_name, state_name

Central National Bank & Trust Co., of Enid in Enid, Oklahoma (OK)
Show street view No street view available for this location

Central National Bank & Trust Co., of Enid routing number info

Central National Bank & Trust Co., of Enid - Overview

General
FDIC Certificate #: 4091
Status: Active
Federal Reserve ID: 278555
Bank Holding Company (Regulatory Top Holder): Central Service Corporation (RSSDID: 1051465, Location: Enid, OK)
Date Established: January 01, 1913
WWW: http://www.cnb-ok.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 10 (Domestic: 10, Interstate: No)
OTS Docket #: 11591
FDIC's unique #: 2664
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: January 01, 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: 324 West Broadway, Enid, OK 73701
County: Garfield
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
Metropolitan Statistical Area (MSA): Enid, OK (#2340)
Core Based Statistical Area (CBSA): Enid, OK (#21420)
CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $550.8 mil
Equity capital: $51.5 mil
Deposits held in domestic offices: $474.6 mil
Return on assets (ROA): 0.83% ($4.6 mil)
Quarterly return on assets: 0.86% ($4.7 mil)
Return on Equity (ROE): 9.45% ($4.8 mil)
Quarterly return on equity: 9.18% ($4.7 mil)
Net income: $4.4 mil
Quarterly Net income: $1.2 mil
Pretax return on assets: 0.83% ($4,571.6 mil)
Quarterly Pretax return on assets: 0.86% ($4,736.8 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
176Total employees (full-time equivalent)
$550,790Total assets
$73,051Cash and due from depository institutions
$56,401Interest-bearing balances
$71,896Securities
$0Federal funds sold & reverse repurchase agreements
$384,339Net loans & leases
$3,977Loan loss allowance
$0Trading account assets
$7,213Bank premises and fixed assets
$3,668Other real estate owned
$1,245Goodwill and other intangibles
$550,790Life insurance assets
$9,378All other assets
$499,337Total liabilities and capital
$474,584Total liabilities
$383,590Total deposits
$474,584Interest-bearing deposits
$83Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$22,500Trading liabilities
$0Other borrowed funds
$2,253Subordinated debt
$51,453All other liabilities
$51,453Total equity capital
$51,453Total bank equity capital
$0Perpetual preferred stock
$950Common stock
$16,925Surplus
$33,578Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$18,361Income earned, not collected on loans
$231Earning assets
$3,466Long-term assets (5+ years)
$512,636Average Assets, year-to-date
$144,594Average Assets, quarterly
$522,894Volatile liabilities
$544,915Insider loans
$376,722FHLB advances
$532,883Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$49,733Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$76,892Restructured Loans and leases
$4,718Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$24,370Total interest income
$5,569Total interest expense
$18,801Net interest income
$1,991Provision for loan and lease losses
$7,539Total noninterest income
$1,367Fiduciary activities
$2,448Service charges on deposit accounts
$0Trading account gains & fees
$3,724Additional noninterest income
$19,954Total noninterest expense
$10,571Salaries and employee benefits
$2,580Premises and equipment expense
$6,803Additional noninterest expense
$4,395Pre-tax net operating income
-$33Securities gains (losses)
$0Applicable income taxes
$4,362Income before extraordinary items
$0Extraordinary gains - net
$4,362Net income attributable to bank
$0Net charge-offs
$4,362Cash dividends
$2,463Sale, conversion, retirement of capital stock, net
$1,984Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.97%Yield on earning assets
1.14%Cost of funding earning assets
3.83%Net interest margin
1.54%Noninterest income to earning assets
4.07%Noninterest expense to earning assets
0.84%Net operating income to assets
0.83%Return on assets (ROA)
0.83%Pretax return on assets
9.45%Return on equity (ROE)
5.15%Retained earnings to average equity (YTD only)
0.65%Net charge-offs to loans
80.84%Credit loss provision to net charge-offs
2.59%Efficiency ratio
75,573Assets per employee
3.13%Cash dividends to net income (YTD only)
Condition Ratios (%)
45.48%Loss allowance to loans
1.02%Loss allowance to noncurrent loans
21.66%Noncurrent assets plus other real estate owned to assets
4.00%Noncurrent loans to loans
4.73%Net loans and leases to deposits
80.98%Net loans and leases to core deposits
86.67%Equity capital to assets
9.34%Core capital (leverage) ratio
9.33%Tier 1 risk-based capital ratio
13.20%Total risk-based capital ratio
Memoranda
$14Average assets
$522,894Average earning assets
$46,137Average equity
$490,250Average 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
$230,801Managed Assets
1Number of Accounts
$224,380Personal trust and agency accounts
$53,441Employee benefit-defined contribution accounts
$6,938Employee benefit-defined benefit accounts
$0Other retirement accounts
$40,694Corporate trust and agency accounts
$38,986Investment management agency accounts
$62,956Other fiduciary accounts
$21,340Fiduciary accounts held in foreign offices
$25Non-managed Assets
693Number of Accounts
$0Personal trust and agency accounts
$40,694Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$6,421Other retirement accounts
$2,613Corporate trust and agency accounts
$870Other fiduciary accounts
$2,397Fiduciary accounts held in foreign offices

List of branches

10 Oklahoma Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	2664	Central National Bank & Trust Co., Of Enid	324 West Broadway, Enid, OK 73701	January 01, 1913	Full Service Brick and Mortar
2	202302	Drive-In Branch	402 West Randolph Street, Enid, OK 73701	May 13, 1968	Limited Service Facility
3	9261	Blackwell Branch	102 North Main Street, Blackwell, OK 74631	September 17, 1934	Full Service Brick and Mortar
4	232156	Express Branch	224 East Blackwell Street, Blackwell, OK 74631	September 15, 1970	Limited Service Facility
6	16830	2730 Williams Street Branch	2730 Williams Street, Woodward, OK 73801	December 17, 1982	Full Service Brick and Mortar
7	257008	Mooreland Branch	127 South Main Street, Mooreland, OK 73852	July 31, 1995	Full Service Brick and Mortar
8	202304	West Willow Branch	2219 West Willow, Enid, OK 73703	July 20, 1998	Full Service Brick and Mortar
10	451174	Southeast Washington Boulevard Branc	1902 Southeast Washington Boulevard, Bartlesville, OK 74006	April 10, 2006	Full Service Brick and Mortar
11	473098	Tulsa Branch	4880 S Lewis Ave, Tulsa, OK 74105	Febuary 01, 2008	Full Service Brick and Mortar
12	493038	Varsity Branch	301 S 30th, Suite A, Enid, OK 73701	November 07, 2008	Full Service Brick and Mortar

Central National Bank & Trust Co., of Enid in Enid, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

Central National Bank & Trust Co., of Enid - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Central National Bank & Trust Co., of Enid in Enid, Oklahoma (OK)Overview, Financial Summary, Detailed Financial Reports, Branches

Central National Bank & Trust Co., of Enid - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Central National Bank & Trust Co., of Enid in Enid, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches