Security Bank & Trust Company of Ponca City, Oklahoma in Ponca City, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 10, 1993

Security Bank & Trust Company of Ponca City, Oklahoma in Ponca City, Oklahoma (OK)
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Security Bank & Trust Company of Ponca City, Oklahoma - Overview

General
FDIC Certificate #: 12286
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Boatmen's National Bank of Oklahoma (#25270)
Federal Reserve ID: 704157
Date Established: Febuary 07, 1917
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 5 (Interstate: No)
FDIC's unique #: 7808
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: December 10, 1993
Last Structure Change Process Date: December 27, 1993
Last Data Update: December 27, 1993
Data Source Date: April 05, 2012
Location
Address: 222 East Grand Street, 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: $117.3 mil

Assets and Liabilities (December 31, 1992)

Dollar figures in thousands
0Total employees (full-time equivalent)
$70Total assets
$120,522Cash and due from depository institutions
$9,237Interest-bearing balances
$2,829Securities
$23,500Federal funds sold & reverse repurchase agreements
$3,975Net loans & leases
$78,464Loan loss allowance
$1,188Trading account assets
$0Bank premises and fixed assets
$3,031Other real estate owned
$391Goodwill and other intangibles
$1,657Life insurance assets
$267All other assets
$0Total liabilities and capital
$120,522Total liabilities
$109,922Total deposits
$108,393Interest-bearing deposits
$92,993Deposits held in domestic offices
108393.00%% insured (estimated)
$98Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,175Subordinated debt
$0All other liabilities
$354Total equity capital
$354Total bank equity capital
$10,600Perpetual preferred stock
$0Common stock
$1,966Surplus
$2,435Undivided profits
Memoranda
$6,199Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$440Income earned, not collected on loans
$840Earning assets
$108,768Long-term assets (5+ years)
$13,131Average Assets, year-to-date
$121,599Average Assets, quarterly
$118,698Volatile liabilities
$9,129Insider loans
$1,228FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$7,220Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$10,333Total risk weighted assets
$88,339Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1992)

Dollar figures in thousands
$0Total interest income
$9,652Total interest expense
$4,157Net interest income
$5,495Provision for loan and lease losses
$552Total noninterest income
$1,334Fiduciary activities
$165Service charges on deposit accounts
$935Trading account gains & fees
$0Additional noninterest income
$234Total noninterest expense
$4,562Salaries and employee benefits
$2,079Premises and equipment expense
$420Additional noninterest expense
$2,063Pre-tax net operating income
$1,715Securities gains (losses)
$41Applicable income taxes
$639Income before extraordinary items
$1,117Extraordinary gains - net
$385Net income attributable to bank
$1,502Net charge-offs
$553Cash dividends
$367Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1992)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.69%Cost of funding earning assets
3.74%Net interest margin
4.95%Noninterest income to earning assets
1.20%Noninterest expense to earning assets
4.11%Net operating income to assets
0.90%Return on assets (ROA)
1.24%Pretax return on assets
1.76%Return on equity (ROE)
15.06%Retained earnings to average equity (YTD only)
11.38%Net charge-offs to loans
0.71%Credit loss provision to net charge-offs
99.82%Efficiency ratio
66,525Assets per employee
1.72%Cash dividends to net income (YTD only)
Condition Ratios (%)
24.43%Loss allowance to loans
1.49%Loss allowance to noncurrent loans
270.00%Noncurrent assets plus other real estate owned to assets
0.69%Noncurrent loans to loans
0.55%Net loans and leases to deposits
72.39%Net loans and leases to core deposits
78.18%Equity capital to assets
8.80%Core capital (leverage) ratio
8.85%Tier 1 risk-based capital ratio
11.70%Total risk-based capital ratio
Memoranda
$13Average assets
$121,599Average earning assets
$9,974Average equity
$111,074Average loans

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