Lincoln Bank & Trust Company in Ardmore, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 17, 1999

Lincoln Bank & Trust Company in Ardmore, Oklahoma (OK)
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Lincoln Bank & Trust Company - Overview

General
FDIC Certificate #: 19277
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: First Bank & Trust Co. (#27394)
Federal Reserve ID: 318255
Date Established: November 09, 1964
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
OTS Docket #: 9840
FDIC's unique #: 13090
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: November 09, 1964
Last Structure Change Effective Date: December 17, 1999
Last Structure Change Process Date: January 01, 2000
Last Data Update: January 01, 2000
Data Source Date: April 05, 2012
Location
Address: 301 West Main Street, Ardmore, OK 73401
County: Carter
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): Ardmore, OK (#11620)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $41.1 mil

1992 - 1999 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, 1998)

Dollar figures in thousands
27Total employees (full-time equivalent)
$47,759Total assets
$3,702Cash and due from depository institutions
$0Interest-bearing balances
$29,465Securities
$0Federal funds sold & reverse repurchase agreements
$11,566Net loans & leases
$156Loan loss allowance
$0Trading account assets
$2,322Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$704All other assets
$47,759Total liabilities and capital
$42,656Total liabilities
$30,407Total deposits
$26,788Interest-bearing deposits
$30,407Deposits held in domestic offices
0.00%% insured (estimated)
$8,466Federal funds purchased & repurchase agreements
$0Trading liabilities
$3,447Other borrowed funds
$0Subordinated debt
$336All other liabilities
$5,103Total equity capital
$5,103Total bank equity capital
$5,103Perpetual preferred stock
$0Common stock
$1,000Surplus
$1,250Undivided profits
Memoranda
$2,853Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$0Long-term assets (5+ years)
$106Average Assets, year-to-date
$41,031Average Assets, quarterly
$8,431Volatile liabilities
$49,278Insider loans
$48,642FHLB advances
$13,191Loans and leases held for sale
$329Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$4,657Total unused commitments
$0Restructured Loans and leases
$25,823Derivatives

Income and Expense (December 31, 1998)

Dollar figures in thousands
$3,032Total interest income
$1,696Total interest expense
$1,336Net interest income
$23Provision for loan and lease losses
$156Total noninterest income
$0Fiduciary activities
$91Service charges on deposit accounts
$0Trading account gains & fees
$65Additional noninterest income
$1,447Total noninterest expense
$760Salaries and employee benefits
$183Premises and equipment expense
$504Additional noninterest expense
$22Pre-tax net operating income
$42Securities gains (losses)
$0Applicable income taxes
$64Income before extraordinary items
$0Extraordinary gains - net
$64Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$12Sale, conversion, retirement of capital stock, net
$100Net operating income

Performance and Condition Ratios (December 31, 1998)

Dollar figures in thousands
Performance Ratios (%, annualized)
6.84%Yield on earning assets
3.83%Cost of funding earning assets
3.01%Net interest margin
0.35%Noninterest income to earning assets
3.26%Noninterest expense to earning assets
0.04%Net operating income to assets
0.13%Return on assets (ROA)
0.13%Pretax return on assets
1.23%Return on equity (ROE)
-0.69%Retained earnings to average equity (YTD only)
0.11%Net charge-offs to loans
191.67%Credit loss provision to net charge-offs
3.75%Efficiency ratio
96,984Assets per employee
1.77%Cash dividends to net income (YTD only)
Condition Ratios (%)
156.25%Loss allowance to loans
1.33%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
38.04%Net loans and leases to core deposits
44.95%Equity capital to assets
10.68%Core capital (leverage) ratio
10.28%Tier 1 risk-based capital ratio
19.71%Total risk-based capital ratio
Memoranda
$20Average assets
$49,278Average earning assets
$5,183Average equity
$44,328Average loans

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