FDIC Certificate #: 4112 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First National Bank (#4111) Federal Reserve ID: 78951 Date Established: January 01, 1912 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) FDIC's unique #: 2682 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 20, 2001 Last Structure Change Process Date: July 11, 2001 Last Data Update: July 11, 2001 Data Source Date: April 05, 2012
Location
Address: 101 East Avenue B, Heavener, OK 74937 County: Le Flore 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): Fort Smith, AR-OK (#22900) CBSA Metro Statistical Area: Fort Smith, AR-OK (#22900)
Financial Summary
Total assets: $44.4 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2000)
Dollar figures in thousands
22Total employees (full-time equivalent)
$44,686Total assets
$1,129Cash and due from depository institutions
$0Interest-bearing balances
$5,296Securities
$5,550Federal funds sold & reverse repurchase agreements
$30,309Net loans & leases
$420Loan loss allowance
$0Trading account assets
$1,231Bank premises and fixed assets
$411Other real estate owned
$136Goodwill and other intangibles
$0Life insurance assets
$624All other assets
$44,686Total liabilities and capital
$40,113Total liabilities
$39,869Total deposits
$34,407Interest-bearing deposits
$39,869Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$244All other liabilities
$4,573Total equity capital
$4,573Total bank equity capital
$4,573Perpetual preferred stock
$0Common stock
$119Surplus
$4,448Undivided profits
Memoranda
$6Noncurrent loans and leases
$576Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$381Earning assets
$0Long-term assets (5+ years)
$383Average Assets, year-to-date
$41,155Average Assets, quarterly
$839Volatile liabilities
$46,252Insider loans
$45,424FHLB advances
$7,937Loans and leases held for sale
$316Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$576Total unused commitments
$0Restructured Loans and leases
$366Derivatives
Income and Expense (December 31, 2000)
Dollar figures in thousands
$1,393Total interest income
$691Total interest expense
$702Net interest income
$350Provision for loan and lease losses
$157Total noninterest income
$0Fiduciary activities
$90Service charges on deposit accounts
$0Trading account gains & fees
$67Additional noninterest income
$655Total noninterest expense
$302Salaries and employee benefits
$80Premises and equipment expense
$273Additional noninterest expense
-$146Pre-tax net operating income
$61Securities gains (losses)
-$45Applicable income taxes
-$40Income before extraordinary items
$0Extraordinary gains - net
-$40Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$396Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2000)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.25%Yield on earning assets
1.61%Cost of funding earning assets
1.64%Net interest margin
0.37%Noninterest income to earning assets
1.53%Noninterest expense to earning assets
-0.17%Net operating income to assets
-0.09%Return on assets (ROA)
-0.18%Pretax return on assets
-0.92%Return on equity (ROE)
-0.92%Retained earnings to average equity (YTD only)
1.20%Net charge-offs to loans
88.38%Credit loss provision to net charge-offs
0.52%Efficiency ratio
75,902Assets per employee
2.03%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.37%Loss allowance to noncurrent loans
110.24%Noncurrent assets plus other real estate owned to assets
1.77%Noncurrent loans to loans
1.24%Net loans and leases to deposits
76.02%Net loans and leases to core deposits
94.92%Equity capital to assets
10.23%Core capital (leverage) ratio
9.70%Tier 1 risk-based capital ratio
15.02%Total risk-based capital ratio
Memoranda
$16Average assets
$46,252Average earning assets
$4,325Average equity
$42,835Average loans
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