FDIC Certificate #: 4119 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First United Bank and Trust Company (#4239) Federal Reserve ID: 813657 Date Established: January 01, 1900 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 5 (Interstate: No) FDIC's unique #: 2687 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: January 01, 1998 Last Structure Change Process Date: January 15, 1998 Last Data Update: January 15, 1998 Data Source Date: April 05, 2012
Location
Address: 102 East Main Street, Holdenville, OK 74848 County: Hughes 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: $191.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1997)
Dollar figures in thousands
74Total employees (full-time equivalent)
$191,907Total assets
$13,567Cash and due from depository institutions
$8,000Interest-bearing balances
$80,355Securities
$7,125Federal funds sold & reverse repurchase agreements
$83,284Net loans & leases
$790Loan loss allowance
$0Trading account assets
$2,947Bank premises and fixed assets
$51Other real estate owned
$2,408Goodwill and other intangibles
$0Life insurance assets
$2,170All other assets
$191,907Total liabilities and capital
$174,844Total liabilities
$173,439Total deposits
$157,247Interest-bearing deposits
$173,439Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$1,405All other liabilities
$17,063Total equity capital
$17,063Total bank equity capital
$17,063Perpetual preferred stock
$0Common stock
$200Surplus
$3,400Undivided profits
Memoranda
$13,463Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$314Earning assets
$0Long-term assets (5+ years)
$784Average Assets, year-to-date
$178,764Average Assets, quarterly
$45,798Volatile liabilities
$189,036Insider loans
$189,332FHLB advances
$24,389Loans and leases held for sale
$117Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$7,440Total unused commitments
$0Restructured Loans and leases
$96,205Derivatives
Income and Expense (December 31, 1997)
Dollar figures in thousands
$13,940Total interest income
$6,902Total interest expense
$7,038Net interest income
$90Provision for loan and lease losses
$891Total noninterest income
$2Fiduciary activities
$734Service charges on deposit accounts
$0Trading account gains & fees
$155Additional noninterest income
$4,400Total noninterest expense
$2,174Salaries and employee benefits
$627Premises and equipment expense
$1,599Additional noninterest expense
$3,439Pre-tax net operating income
$0Securities gains (losses)
$1,202Applicable income taxes
$2,237Income before extraordinary items
$0Extraordinary gains - net
$2,237Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$22Sale, conversion, retirement of capital stock, net
$2,504Net operating income
Performance and Condition Ratios (December 31, 1997)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.91%Yield on earning assets
3.91%Cost of funding earning assets
3.99%Net interest margin
0.51%Noninterest income to earning assets
2.50%Noninterest expense to earning assets
1.18%Net operating income to assets
1.18%Return on assets (ROA)
1.82%Pretax return on assets
12.84%Return on equity (ROE)
-1.53%Retained earnings to average equity (YTD only)
-0.03%Net charge-offs to loans
-409.09%Credit loss provision to net charge-offs
0.00%Efficiency ratio
51,633Assets per employee
2.59%Cash dividends to net income (YTD only)
Condition Ratios (%)
111.94%Loss allowance to loans
0.94%Loss allowance to noncurrent loans
251.59%Noncurrent assets plus other real estate owned to assets
0.19%Noncurrent loans to loans
0.37%Net loans and leases to deposits
48.02%Net loans and leases to core deposits
55.88%Equity capital to assets
8.89%Core capital (leverage) ratio
7.42%Tier 1 risk-based capital ratio
14.50%Total risk-based capital ratio
Memoranda
$15Average assets
$189,036Average earning assets
$17,420Average equity
$176,323Average loans
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