The Security National Bank & Trust Co. of Duncan in Duncan, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 01, 1995

The Security National Bank & Trust Co. of Duncan in Duncan, Oklahoma (OK)
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The Security National Bank & Trust Co. of Duncan - Overview

General
FDIC Certificate #: 4082
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Amquest Bank, National Association (#19157)
Federal Reserve ID: 713850
Date Established: January 01, 1918
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 2 (Interstate: No)
OTS Docket #: 10370
FDIC's unique #: 2656
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: No
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: April 01, 1995
Last Structure Change Process Date: April 17, 1995
Last Data Update: April 17, 1995
Data Source Date: April 05, 2012
Location
Address: 16 South Ninth Street, Duncan, OK 73533
County: Stephens
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): Duncan, OK (#20340)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $171.2 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$89Total assets
$169,015Cash and due from depository institutions
$4,958Interest-bearing balances
$0Securities
$46,836Federal funds sold & reverse repurchase agreements
$1,825Net loans & leases
$111,415Loan loss allowance
$1,227Trading account assets
$0Bank premises and fixed assets
$1,929Other real estate owned
$4Goodwill and other intangibles
$2,048Life insurance assets
$0All other assets
$0Total liabilities and capital
$169,015Total liabilities
$156,399Total deposits
$154,077Interest-bearing deposits
$131,100Deposits held in domestic offices
154077.00%% insured (estimated)
$92Federal funds purchased & repurchase agreements
$1,200Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$1,122Total equity capital
$1,122Total bank equity capital
$12,616Perpetual preferred stock
$0Common stock
$1,000Surplus
$2,000Undivided profits
Memoranda
$9,616Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,860Income earned, not collected on loans
$817Earning assets
$160,076Long-term assets (5+ years)
$26,805Average Assets, year-to-date
$168,088Average Assets, quarterly
$169,382Volatile liabilities
$10,751Insider loans
$1,477FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$3,477Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$12,820Total risk weighted assets
$112,736Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$11,984Total interest expense
$4,629Net interest income
$7,355Provision for loan and lease losses
-$50Total noninterest income
$1,933Fiduciary activities
$888Service charges on deposit accounts
$489Trading account gains & fees
$0Additional noninterest income
$556Total noninterest expense
$5,510Salaries and employee benefits
$3,001Premises and equipment expense
$608Additional noninterest expense
$1,901Pre-tax net operating income
$3,828Securities gains (losses)
-$8Applicable income taxes
$1,245Income before extraordinary items
$2,575Extraordinary gains - net
$0Net income attributable to bank
$2,575Net charge-offs
$51Cash dividends
$2,336Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.55%Cost of funding earning assets
2.92%Net interest margin
4.64%Noninterest income to earning assets
1.22%Noninterest expense to earning assets
3.47%Net operating income to assets
1.54%Return on assets (ROA)
1.53%Pretax return on assets
2.27%Return on equity (ROE)
19.75%Retained earnings to average equity (YTD only)
1.83%Net charge-offs to loans
0.05%Credit loss provision to net charge-offs
-98.04%Efficiency ratio
59,324Assets per employee
1.90%Cash dividends to net income (YTD only)
Condition Ratios (%)
90.72%Loss allowance to loans
1.09%Loss allowance to noncurrent loans
65.97%Noncurrent assets plus other real estate owned to assets
1.10%Noncurrent loans to loans
1.65%Net loans and leases to deposits
72.31%Net loans and leases to core deposits
77.09%Equity capital to assets
7.46%Core capital (leverage) ratio
7.67%Tier 1 risk-based capital ratio
11.37%Total risk-based capital ratio
Memoranda
$12Average assets
$168,088Average earning assets
$13,038Average equity
$158,663Average loans

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