First National Bank & Trust Company of McAlester in city_name, state_name

First National Bank & Trust Company of McAlester in Mcalester, Oklahoma (OK)
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First National Bank & Trust Company of McAlester routing number info

First National Bank & Trust Company of McAlester - Overview

General
FDIC Certificate #: 4145
Status: Active
Federal Reserve ID: 830355
Bank Holding Company (Regulatory Top Holder): First Of Mcalester Corporation (RSSDID: 1055762, Location: Mcalester, OK)
Date Established: December 12, 1896
WWW: http://www.fnbmcalester.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: 4 (Domestic: 4, Interstate: No)
FDIC's unique #: 2705
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Commercial Lending 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: 235 East Choctaw Street, Mcalester, OK 74501
County: Pittsburg
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): McAlester, OK (#32540)
CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $461.1 mil
Equity capital: $58.3 mil
Deposits held in domestic offices: $401.0 mil
Return on assets (ROA): 2.13% ($9.8 mil)
Quarterly return on assets: 1.82% ($8.4 mil)
Return on Equity (ROE): 17.06% ($9.9 mil)
Quarterly return on equity: 14.29% ($8.3 mil)
Net income: $9.8 mil
Quarterly Net income: $2.1 mil
Pretax return on assets: 2.14% ($9,867.9 mil)
Quarterly Pretax return on assets: 1.82% ($8,392.3 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
78Total employees (full-time equivalent)
$461,118Total assets
$13,600Cash and due from depository institutions
$9,597Interest-bearing balances
$239,456Securities
$0Federal funds sold & reverse repurchase agreements
$190,857Net loans & leases
$2,582Loan loss allowance
$0Trading account assets
$5,207Bank premises and fixed assets
$544Other real estate owned
$0Goodwill and other intangibles
$461,118Life insurance assets
$11,454All other assets
$402,848Total liabilities and capital
$401,040Total liabilities
$345,821Total deposits
$401,040Interest-bearing deposits
$78Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,808Subordinated debt
$58,270All other liabilities
$58,270Total equity capital
$58,270Total bank equity capital
$0Perpetual preferred stock
$5,000Common stock
$5,000Surplus
$48,270Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$8,862Income earned, not collected on loans
$0Earning assets
$1,905Long-term assets (5+ years)
$439,910Average Assets, year-to-date
$168,824Average Assets, quarterly
$459,600Volatile liabilities
$464,097Insider loans
$220,270FHLB advances
$465,246Loans and leases held for sale
$7,402Unused loan commitments
$6,129Tier 1 (core) risk-based capital
$51,129Tier 2 risk-based capital
$1,273Total risk weighted assets
$0Total unused commitments
$16,815Restructured Loans and leases
$853Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$19,667Total interest income
$3,350Total interest expense
$16,317Net interest income
$304Provision for loan and lease losses
$1,723Total noninterest income
$0Fiduciary activities
$986Service charges on deposit accounts
$0Trading account gains & fees
$737Additional noninterest income
$7,864Total noninterest expense
$4,504Salaries and employee benefits
$1,193Premises and equipment expense
$2,167Additional noninterest expense
$9,872Pre-tax net operating income
-$24Securities gains (losses)
$55Applicable income taxes
$9,793Income before extraordinary items
$0Extraordinary gains - net
$9,793Net income attributable to bank
$0Net charge-offs
$9,793Cash dividends
$373Sale, conversion, retirement of capital stock, net
$8,755Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.49%Yield on earning assets
0.76%Cost of funding earning assets
3.72%Net interest margin
0.39%Noninterest income to earning assets
1.79%Noninterest expense to earning assets
2.14%Net operating income to assets
2.13%Return on assets (ROA)
2.14%Pretax return on assets
17.06%Return on equity (ROE)
1.81%Retained earnings to average equity (YTD only)
0.19%Net charge-offs to loans
81.50%Credit loss provision to net charge-offs
27.28%Efficiency ratio
43,592Assets per employee
5.91%Cash dividends to net income (YTD only)
Condition Ratios (%)
89.40%Loss allowance to loans
1.33%Loss allowance to noncurrent loans
29.14%Noncurrent assets plus other real estate owned to assets
2.04%Noncurrent loans to loans
4.58%Net loans and leases to deposits
47.59%Net loans and leases to core deposits
51.74%Equity capital to assets
12.64%Core capital (leverage) ratio
10.99%Tier 1 risk-based capital ratio
23.21%Total risk-based capital ratio
Memoranda
$24Average assets
$459,600Average earning assets
$57,393Average equity
$438,129Average loans

Total Fiduciary and Related Assets (December 31, 2006)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$4,945Managed Assets
1Number of Accounts
$3,577Personal trust and agency accounts
$3,282Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$295Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
16Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$1,368Other retirement accounts
$1,368Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

4 Oklahoma Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	2705	First National Bank & Trust Company	235 East Choctaw Street, Mcalester, OK 74501	December 12, 1896	Full Service Brick and Mortar
1	202322	Drive-In Branch	2nd & Chickasaw, Mcalester, OK 74501	April 24, 1961	Limited Service Facility
2	1528	Hartshorne Branch	935 Pennsylvania Avenue, Hartshorne, OK 74547	January 01, 1927	Full Service Brick and Mortar
5	202323	Detached Drive-In Facility Branch	1105 East Carl Albert Parkway, Mcalester, OK 74501	March 10, 1986	Limited Service Facility

First National Bank & Trust Company of McAlester in Mcalester, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank & Trust Company of McAlester - 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, 2006)

List of branches

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

First National Bank & Trust Company of McAlester in Mcalester, Oklahoma (OK)Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank & Trust Company of McAlester - 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, 2006)

List of branches

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

First National Bank & Trust Company of McAlester in Mcalester, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches