Pioneer Bank and Trust in Ponca City, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 12, 2007

  • Pioneer Bank and Trust in Ponca City, Oklahoma (OK)
  • Show street view No street view available for this location

Pioneer Bank and Trust - Overview

  • General
  • FDIC Certificate #: 4127
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: RCB Bank (#15399)
    Federal Reserve ID: 818353
    Date Established: January 01, 1902
    WWW: http://www.pbtok.com
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Interstate: No)
    OTS Docket #: 10418
    FDIC's unique #: 2691
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: Febuary 12, 2007
    Last Structure Change Process Date: March 02, 2007
    Last Data Update: March 02, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: Fourteenth And Highland Avenue, Ponca City, OK 74601
    County: Kay
    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): Ponca City, OK (#38620)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $211.4 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, 2006)

  • Dollar figures in thousands
  • 69Total employees (full-time equivalent)
  • $211,417Total assets
  • $11,096Cash and due from depository institutions
  • $5,212Interest-bearing balances
  • $21,882Securities
  • $28,800Federal funds sold & reverse repurchase agreements
  • $122,241Net loans & leases
  • $2,030Loan loss allowance
  • $0Trading account assets
  • $3,607Bank premises and fixed assets
  • $0Other real estate owned
  • $20,443Goodwill and other intangibles
  • $297Life insurance assets
  • $3,348All other assets
  • $211,417Total liabilities and capital
  • $174,811Total liabilities
  • $168,635Total deposits
  • $138,949Interest-bearing deposits
  • $168,635Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $1,502Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $1,912Other borrowed funds
  • $0Subordinated debt
  • $2,762All other liabilities
  • $36,606Total equity capital
  • $36,606Total bank equity capital
  • $36,606Perpetual preferred stock
  • $0Common stock
  • $605Surplus
  • $35,064Undivided profits
  • Memoranda
  • $937Noncurrent loans and leases
  • $17,609Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $471Earning assets
  • $0Long-term assets (5+ years)
  • $1,162Average Assets, year-to-date
  • $178,135Average Assets, quarterly
  • $3,546Volatile liabilities
  • $211,016Insider loans
  • $214,327FHLB advances
  • $34,271Loans and leases held for sale
  • $902Unused loan commitments
  • $1,851Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $17,609Total unused commitments
  • $0Restructured Loans and leases
  • $1,625Derivatives

Income and Expense (December 31, 2006)

  • Dollar figures in thousands
  • $9,851Total interest income
  • $3,867Total interest expense
  • $5,984Net interest income
  • $141Provision for loan and lease losses
  • $1,168Total noninterest income
  • $171Fiduciary activities
  • $883Service charges on deposit accounts
  • $0Trading account gains & fees
  • $114Additional noninterest income
  • $4,312Total noninterest expense
  • $2,427Salaries and employee benefits
  • $534Premises and equipment expense
  • $1,351Additional noninterest expense
  • $2,699Pre-tax net operating income
  • -$2Securities gains (losses)
  • $943Applicable income taxes
  • $1,754Income before extraordinary items
  • -$905Extraordinary gains - net
  • $849Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $118Sale, conversion, retirement of capital stock, net
  • $4,000Net operating income

Performance and Condition Ratios (December 31, 2006)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.34%Yield on earning assets
  • 2.10%Cost of funding earning assets
  • 3.24%Net interest margin
  • 0.63%Noninterest income to earning assets
  • 2.34%Noninterest expense to earning assets
  • 0.83%Net operating income to assets
  • 0.40%Return on assets (ROA)
  • 0.85%Pretax return on assets
  • 2.82%Return on equity (ROE)
  • -10.47%Retained earnings to average equity (YTD only)
  • 0.09%Net charge-offs to loans
  • 119.49%Credit loss provision to net charge-offs
  • 24.07%Efficiency ratio
  • 58,585Assets per employee
  • 3.06%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 471.14%Loss allowance to loans
  • 1.63%Loss allowance to noncurrent loans
  • 431.00%Noncurrent assets plus other real estate owned to assets
  • 0.22%Noncurrent loans to loans
  • 0.38%Net loans and leases to deposits
  • 72.49%Net loans and leases to core deposits
  • 89.31%Equity capital to assets
  • 17.31%Core capital (leverage) ratio
  • 8.39%Tier 1 risk-based capital ratio
  • 12.41%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $211,016Average earning assets
  • $30,107Average equity
  • $184,552Average 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
  • $31,444Managed Assets
  • 1Number of Accounts
  • $9,063Personal trust and agency accounts
  • $9,063Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 112Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $22,381Other retirement accounts
  • $11,727Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $10,654Fiduciary accounts held in foreign offices

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