Commercial Bank and Trust Company in Muskogee, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 17, 1993

  • Commercial Bank and Trust Company in Muskogee, Oklahoma (OK)
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Commercial Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 4154
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Boatmen's National Bank of Oklahoma (#25270)
    Federal Reserve ID: 844754
    Date Established: Febuary 25, 1926
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    FDIC's unique #: 2714
    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: January 01, 1934
    Last Structure Change Effective Date: September 17, 1993
    Last Structure Change Process Date: September 22, 1993
    Last Data Update: September 22, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 230 West Broadway, Muskogee, OK 74401
    County: Muskogee
    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
    Core Based Statistical Area (CBSA): Muskogee, OK (#34780)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $233.6 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $120Total assets
  • $224,860Cash and due from depository institutions
  • $7,963Interest-bearing balances
  • $0Securities
  • $35,175Federal funds sold & reverse repurchase agreements
  • $13,425Net loans & leases
  • $158,095Loan loss allowance
  • $3,638Trading account assets
  • $0Bank premises and fixed assets
  • $3,105Other real estate owned
  • $3,254Goodwill and other intangibles
  • $3,843Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $224,860Total liabilities
  • $209,780Total deposits
  • $204,600Interest-bearing deposits
  • $171,976Deposits held in domestic offices
  • 204600.00%% insured (estimated)
  • $85Federal funds purchased & repurchase agreements
  • $3,600Trading liabilities
  • $0Other borrowed funds
  • $485Subordinated debt
  • $0All other liabilities
  • $1,095Total equity capital
  • $1,095Total bank equity capital
  • $15,080Perpetual preferred stock
  • $500Common stock
  • $3,000Surplus
  • $4,074Undivided profits
  • Memoranda
  • $7,506Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,235Income earned, not collected on loans
  • $1,303Earning assets
  • $206,695Long-term assets (5+ years)
  • $21,750Average Assets, year-to-date
  • $219,240Average Assets, quarterly
  • $221,097Volatile liabilities
  • $42,260Insider loans
  • $722FHLB advances
  • $0Loans and leases held for sale
  • $2,790Unused loan commitments
  • $10,676Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $14,580Total risk weighted assets
  • $172,046Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $17,929Total interest expense
  • $7,794Net interest income
  • $10,135Provision for loan and lease losses
  • $2,170Total noninterest income
  • $2,894Fiduciary activities
  • $235Service charges on deposit accounts
  • $818Trading account gains & fees
  • $0Additional noninterest income
  • $1,841Total noninterest expense
  • $8,045Salaries and employee benefits
  • $3,997Premises and equipment expense
  • $766Additional noninterest expense
  • $3,282Pre-tax net operating income
  • $2,814Securities gains (losses)
  • $60Applicable income taxes
  • $862Income before extraordinary items
  • $2,012Extraordinary gains - net
  • $1,061Net income attributable to bank
  • $3,073Net charge-offs
  • $2,265Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $574Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.95%Cost of funding earning assets
  • 3.89%Net interest margin
  • 5.06%Noninterest income to earning assets
  • 1.44%Noninterest expense to earning assets
  • 4.02%Net operating income to assets
  • 0.90%Return on assets (ROA)
  • 1.40%Pretax return on assets
  • 1.79%Return on equity (ROE)
  • 23.15%Retained earnings to average equity (YTD only)
  • 23.15%Net charge-offs to loans
  • 1.43%Credit loss provision to net charge-offs
  • 95.81%Efficiency ratio
  • 61,747Assets per employee
  • 1.87%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.25%Loss allowance to noncurrent loans
  • 112.46%Noncurrent assets plus other real estate owned to assets
  • 2.89%Noncurrent loans to loans
  • 2.00%Net loans and leases to deposits
  • 77.27%Net loans and leases to core deposits
  • 95.03%Equity capital to assets
  • 6.71%Core capital (leverage) ratio
  • 6.61%Tier 1 risk-based capital ratio
  • 8.47%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $219,240Average earning assets
  • $13,275Average equity
  • $200,293Average loans

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