First Bank & Trust Co. in city_name, state_name - Detailed Financial Reports, Location

First Bank & Trust Co. in Duncan, Oklahoma (OK)
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First Bank & Trust Co. routing number info

First Bank & Trust Co. - Overview

General
FDIC Certificate #: 27394
Status: Active
Federal Reserve ID: 1228034
Date Established: December 08, 1988
WWW: http://www.1stbanknet.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 10 (Domestic: 10, Interstate: No)
FDIC's unique #: 39837
Numeric code: 21
Regulator: FDIC
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: Commercial Lending Specialization
Date of Deposit Insurance: December 08, 1988
Last Structure Change Effective Date: April 11, 2008
Last Structure Change Process Date: April 16, 2008
Last Data Update: April 16, 2008
Data Source Date: April 05, 2012
Location
Address: 923-925 Main 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
History of Changes
Participated in Absorption/Consolidation/Merger
Financial Summary
Total assets: $489.9 mil
Equity capital: $58.9 mil
Deposits held in domestic offices: $430.5 mil
Return on assets (ROA): 1.33% ($6.5 mil)
Quarterly return on assets: 1.79% ($8.8 mil)
Return on Equity (ROE): 12.00% ($7.1 mil)
Quarterly return on equity: 15.89% ($9.4 mil)
Net income: $6.8 mil
Quarterly Net income: $2.3 mil
Pretax return on assets: 1.33% ($6,515.9 mil)
Quarterly Pretax return on assets: 1.79% ($8,769.5 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
152Total employees (full-time equivalent)
$489,917Total assets
$77,968Cash and due from depository institutions
$74,974Interest-bearing balances
$36,886Securities
$17,635Federal funds sold & reverse repurchase agreements
$330,251Net loans & leases
$4,022Loan loss allowance
$0Trading account assets
$14,525Bank premises and fixed assets
$6,612Other real estate owned
$811Goodwill and other intangibles
$489,917Life insurance assets
$5,229All other assets
$431,055Total liabilities and capital
$430,538Total liabilities
$328,818Total deposits
$430,538Interest-bearing deposits
$75Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$517Subordinated debt
$58,862All other liabilities
$58,862Total equity capital
$58,862Total bank equity capital
$0Perpetual preferred stock
$1,229Common stock
$1,364Surplus
$56,269Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$11,264Income earned, not collected on loans
$0Earning assets
$2,138Long-term assets (5+ years)
$459,746Average Assets, year-to-date
$1,283Average Assets, quarterly
$513,914Volatile liabilities
$513,804Insider loans
$332,945FHLB advances
$509,977Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$57,943Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$26,028Restructured Loans and leases
$1,450Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$21,669Total interest income
$2,880Total interest expense
$18,789Net interest income
$1,896Provision for loan and lease losses
$4,354Total noninterest income
$337Fiduciary activities
$2,064Service charges on deposit accounts
$0Trading account gains & fees
$1,953Additional noninterest income
$14,433Total noninterest expense
$7,417Salaries and employee benefits
$2,376Premises and equipment expense
$4,640Additional noninterest expense
$6,814Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$6,814Income before extraordinary items
$0Extraordinary gains - net
$6,814Net income attributable to bank
$0Net charge-offs
$6,814Cash dividends
$1,403Sale, conversion, retirement of capital stock, net
$3,508Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.49%Yield on earning assets
0.60%Cost of funding earning assets
3.89%Net interest margin
0.90%Noninterest income to earning assets
2.99%Noninterest expense to earning assets
1.33%Net operating income to assets
1.33%Return on assets (ROA)
1.33%Pretax return on assets
12.00%Return on equity (ROE)
5.82%Retained earnings to average equity (YTD only)
0.41%Net charge-offs to loans
135.14%Credit loss provision to net charge-offs
6.21%Efficiency ratio
61,764Assets per employee
3.22%Cash dividends to net income (YTD only)
Condition Ratios (%)
51.48%Loss allowance to loans
1.20%Loss allowance to noncurrent loans
35.71%Noncurrent assets plus other real estate owned to assets
3.65%Noncurrent loans to loans
3.37%Net loans and leases to deposits
76.71%Net loans and leases to core deposits
87.63%Equity capital to assets
12.01%Core capital (leverage) ratio
11.36%Tier 1 risk-based capital ratio
17.40%Total risk-based capital ratio
Memoranda
$19Average assets
$513,914Average earning assets
$56,804Average equity
$483,094Average 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
$81,523Managed Assets
1Number of Accounts
$58,976Personal trust and agency accounts
$9,210Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$6,633Corporate trust and agency accounts
$0Investment management agency accounts
$43,133Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
177Number of Accounts
$0Personal trust and agency accounts
$6,628Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$22,547Other retirement accounts
$0Corporate trust and agency accounts
$18,792Other fiduciary accounts
$405Fiduciary accounts held in foreign offices

List of branches

10 Oklahoma Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	39837	First Bank & Trust Co.	923-925 Main Street, Duncan, OK 73533	December 08, 1988	Full Service Brick and Mortar
3	202283	Drive-In Branch	10th And Oak Streets, Duncan, OK 73533	August 28, 1974	Limited Service Facility
5	261926	Duncan Branch	1521 W Plato, Duncan, OK 73533	December 08, 1988	Full Service Brick and Mortar
6	335	Healdton Branch	313 West Main Street, Healdton, OK 73438	January 01, 1917	Full Service Brick and Mortar
7	13090	Ardmore Branch	301 West Main Street, Ardmore, OK 73401	November 09, 1964	Full Service Brick and Mortar
9	424629	Norman Branch	2330 36th Avenue Northwest, Norman, OK 73072	August 18, 2003	Full Service Brick and Mortar
10	452393	Ardmore West Branch	1720 Mclish, Ardmore, OK 73401	December 17, 1999	Full Service Retail
11	467633	Norman-Alameda Branch	2400 Alameda, Norman, OK 73071	July 17, 2006	Full Service Brick and Mortar
12	2772	The Waurika National Bank Branch	101 North Main Street, Waurika, OK 73573	November 16, 1907	Full Service Brick and Mortar
13	493777	Ardmore East Sam Noble Branch	1321 Sam Noble Parkway, Ardmore, OK 73401	November 01, 2008	Full Service Brick and Mortar

First Bank & Trust Co. in Duncan, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Bank & Trust Co. - 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:

First Bank & Trust Co. in Duncan, Oklahoma (OK)Overview, Financial Summary, Detailed Financial Reports, Branches

First Bank & Trust Co. - 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:

First Bank & Trust Co. in Duncan, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches