FDIC Certificate #: 15616 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First National Bank (#3857) Federal Reserve ID: 302450 Date Established: September 01, 1938 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 3 (Interstate: No) FDIC's unique #: 9898 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: No Date of Deposit Insurance: September 06, 1938 Last Structure Change Effective Date: August 13, 2011 Last Structure Change Process Date: August 23, 2011 Last Data Update: August 23, 2011 Data Source Date: April 05, 2012
Location
Address: 8 East Main Street, Idabel, OK 74745 County: Mccurtain 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
Financial Summary
Total assets: $79.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2010)
Dollar figures in thousands
19Total employees (full-time equivalent)
$81,766Total assets
$2,307Cash and due from depository institutions
$3Interest-bearing balances
$27,418Securities
$9,145Federal funds sold & reverse repurchase agreements
$37,088Net loans & leases
$845Loan loss allowance
$0Trading account assets
$1,882Bank premises and fixed assets
$0Other real estate owned
$2,374Goodwill and other intangibles
$0Life insurance assets
$1,552All other assets
$81,766Total liabilities and capital
$71,091Total liabilities
$70,416Total deposits
$58,947Interest-bearing deposits
$70,416Deposits held in domestic offices
93.05%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$434Other borrowed funds
$0Subordinated debt
$241All other liabilities
$10,675Total equity capital
$10,675Total bank equity capital
$10,675Perpetual preferred stock
$0Common stock
$250Surplus
$7,723Undivided profits
Memoranda
$2,702Noncurrent loans and leases
$6,538Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$73Earning assets
$0Long-term assets (5+ years)
$320Average Assets, year-to-date
$73,654Average Assets, quarterly
$3,678Volatile liabilities
$81,767Insider loans
$81,882FHLB advances
$16,122Loans and leases held for sale
$4,899Unused loan commitments
$434Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$6,538Total unused commitments
$0Restructured Loans and leases
$592Derivatives
Income and Expense (December 31, 2010)
Dollar figures in thousands
$2,910Total interest income
$681Total interest expense
$2,229Net interest income
$0Provision for loan and lease losses
$666Total noninterest income
$0Fiduciary activities
$446Service charges on deposit accounts
$0Trading account gains & fees
$220Additional noninterest income
$1,771Total noninterest expense
$719Salaries and employee benefits
$217Premises and equipment expense
$835Additional noninterest expense
$1,124Pre-tax net operating income
$0Securities gains (losses)
$411Applicable income taxes
$713Income before extraordinary items
$0Extraordinary gains - net
$713Net income attributable to bank
$0Net charge-offs
$713Cash dividends
$30Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2010)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.99%Yield on earning assets
0.93%Cost of funding earning assets
3.06%Net interest margin
0.91%Noninterest income to earning assets
2.43%Noninterest expense to earning assets
0.87%Net operating income to assets
0.87%Return on assets (ROA)
1.37%Pretax return on assets
6.88%Return on equity (ROE)
6.88%Retained earnings to average equity (YTD only)
0.07%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
37.47%Efficiency ratio
61,174Assets per employee
4.30%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.23%Loss allowance to noncurrent loans
1157.53%Noncurrent assets plus other real estate owned to assets
0.09%Noncurrent loans to loans
0.19%Net loans and leases to deposits
52.67%Net loans and leases to core deposits
68.31%Equity capital to assets
13.06%Core capital (leverage) ratio
10.39%Tier 1 risk-based capital ratio
17.20%Total risk-based capital ratio
Memoranda
$18Average assets
$81,767Average earning assets
$10,368Average equity
$72,933Average loans
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