FDIC Certificate #: 19338 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The First National Bank and Trust Company of Okmulgee (#4170) Federal Reserve ID: 288750 Date Established: January 02, 1965 WWW:http://www.firsthenryetta.com Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Interstate: No) OTS Docket #: 52721 FDIC's unique #: 13149 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: January 02, 1965 Last Structure Change Effective Date: September 11, 2006 Last Structure Change Process Date: October 02, 2006 Last Data Update: October 02, 2006 Data Source Date: April 05, 2012
Location
Address: 4th And Trudgeon Streets, Henryetta, OK 74437 County: Okmulgee 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 Combined Statistical Area (CSA): Tulsa-Bartlesville, OK (#538) Core Based Statistical Area (CBSA): Tulsa, OK (#46140) CBSA Metro Statistical Area: Tulsa, OK (#46140)
Financial Summary
Total assets: $62.1 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2005)
Dollar figures in thousands
25Total employees (full-time equivalent)
$57,502Total assets
$2,424Cash and due from depository institutions
$0Interest-bearing balances
$15,114Securities
$0Federal funds sold & reverse repurchase agreements
$35,779Net loans & leases
$530Loan loss allowance
$0Trading account assets
$1,032Bank premises and fixed assets
$393Other real estate owned
$1,688Goodwill and other intangibles
$0Life insurance assets
$1,072All other assets
$57,502Total liabilities and capital
$49,600Total liabilities
$49,450Total deposits
$42,259Interest-bearing deposits
$49,450Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$150All other liabilities
$7,902Total equity capital
$7,902Total bank equity capital
$7,902Perpetual preferred stock
$0Common stock
$420Surplus
$7,665Undivided profits
Memoranda
$-183Noncurrent loans and leases
$1,710Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$2,986Earning assets
$0Long-term assets (5+ years)
$338Average Assets, year-to-date
$50,893Average Assets, quarterly
$2,100Volatile liabilities
$63,420Insider loans
$58,210FHLB advances
$10,821Loans and leases held for sale
$448Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,710Total unused commitments
$0Restructured Loans and leases
$410Derivatives
Income and Expense (December 31, 2005)
Dollar figures in thousands
$3,485Total interest income
$988Total interest expense
$2,497Net interest income
$654Provision for loan and lease losses
$472Total noninterest income
$0Fiduciary activities
$398Service charges on deposit accounts
$0Trading account gains & fees
$74Additional noninterest income
$1,799Total noninterest expense
$913Salaries and employee benefits
$190Premises and equipment expense
$696Additional noninterest expense
$516Pre-tax net operating income
$26Securities gains (losses)
$3Applicable income taxes
$539Income before extraordinary items
$0Extraordinary gains - net
$539Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$637Sale, conversion, retirement of capital stock, net
$496Net operating income
Performance and Condition Ratios (December 31, 2005)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.37%Yield on earning assets
1.81%Cost of funding earning assets
4.57%Net interest margin
0.86%Noninterest income to earning assets
3.29%Noninterest expense to earning assets
0.81%Net operating income to assets
0.85%Return on assets (ROA)
0.85%Pretax return on assets
6.77%Return on equity (ROE)
0.54%Retained earnings to average equity (YTD only)
1.66%Net charge-offs to loans
102.67%Credit loss provision to net charge-offs
1.84%Efficiency ratio
59,212Assets per employee
2.30%Cash dividends to net income (YTD only)
Condition Ratios (%)
92.02%Loss allowance to loans
1.46%Loss allowance to noncurrent loans
17.75%Noncurrent assets plus other real estate owned to assets
5.88%Noncurrent loans to loans
8.22%Net loans and leases to deposits
72.35%Net loans and leases to core deposits
92.62%Equity capital to assets
13.74%Core capital (leverage) ratio
11.45%Tier 1 risk-based capital ratio
20.19%Total risk-based capital ratio
Memoranda
$21Average assets
$63,420Average earning assets
$7,958Average equity
$54,668Average loans
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