United Bank & Trust Company of Norman in Norman, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 05, 1993

United Bank & Trust Company of Norman in Norman, Oklahoma (OK)
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United Bank & Trust Company of Norman - Overview

General
FDIC Certificate #: 22986
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: BancFirst (#27476)
Federal Reserve ID: 854959
Date Established: November 16, 1979
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 2 (Interstate: No)
FDIC's unique #: 16087
Numeric code: 13
Regulator: FED
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 16, 1979
Last Structure Change Effective Date: Febuary 05, 1993
Last Structure Change Process Date: Febuary 23, 1993
Last Data Update: Febuary 23, 1993
Data Source Date: April 05, 2012
Location
Address: 333 12th Avenue, S.E., Norman, OK 73071
County: Cleveland
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
Metropolitan Statistical Area (MSA): Oklahoma City, OK (#5880)
Combined Statistical Area (CSA): Oklahoma City-Shawnee, OK (#416)
Core Based Statistical Area (CBSA): Oklahoma City, OK (#36420)
CBSA Metro Statistical Area: Oklahoma City, OK (#36420)
Financial Summary
Total assets: $36.9 mil

Assets and Liabilities (December 31, 1992)

Dollar figures in thousands
0Total employees (full-time equivalent)
$30Total assets
$36,876Cash and due from depository institutions
$1,225Interest-bearing balances
$0Securities
$5,465Federal funds sold & reverse repurchase agreements
$6,440Net loans & leases
$17,090Loan loss allowance
$339Trading account assets
$0Bank premises and fixed assets
$1,614Other real estate owned
$4,654Goodwill and other intangibles
$388Life insurance assets
$0All other assets
$0Total liabilities and capital
$36,876Total liabilities
$34,275Total deposits
$33,969Interest-bearing deposits
$28,140Deposits held in domestic offices
33969.00%% insured (estimated)
$91Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$306Total equity capital
$306Total bank equity capital
$2,601Perpetual preferred stock
$0Common stock
$565Surplus
$1,776Undivided profits
Memoranda
$260Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$557Income earned, not collected on loans
$146Earning assets
$28,995Long-term assets (5+ years)
$8,079Average Assets, year-to-date
$36,032Average Assets, quarterly
$36,535Volatile liabilities
$5,182Insider loans
$38FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$753Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$2,601Total risk weighted assets
$24,682Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1992)

Dollar figures in thousands
$0Total interest income
$2,582Total interest expense
$1,226Net interest income
$1,356Provision for loan and lease losses
$40Total noninterest income
$864Fiduciary activities
$0Service charges on deposit accounts
$576Trading account gains & fees
$0Additional noninterest income
$288Total noninterest expense
$1,726Salaries and employee benefits
$725Premises and equipment expense
$256Additional noninterest expense
$745Pre-tax net operating income
$454Securities gains (losses)
$0Applicable income taxes
$0Income before extraordinary items
$454Extraordinary gains - net
$0Net income attributable to bank
$454Net charge-offs
-$14Cash dividends
$0Sale, conversion, retirement of capital stock, net
$327Net operating income

Performance and Condition Ratios (December 31, 1992)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
9.39%Cost of funding earning assets
4.46%Net interest margin
4.93%Noninterest income to earning assets
3.14%Noninterest expense to earning assets
6.28%Net operating income to assets
1.26%Return on assets (ROA)
1.26%Pretax return on assets
1.26%Return on equity (ROE)
20.95%Retained earnings to average equity (YTD only)
20.95%Net charge-offs to loans
-0.08%Credit loss provision to net charge-offs
-285.71%Efficiency ratio
77,748Assets per employee
1.23%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.95%Loss allowance to noncurrent loans
60.86%Noncurrent assets plus other real estate owned to assets
14.13%Noncurrent loans to loans
3.20%Net loans and leases to deposits
50.31%Net loans and leases to core deposits
59.37%Equity capital to assets
7.05%Core capital (leverage) ratio
7.04%Tier 1 risk-based capital ratio
10.54%Total risk-based capital ratio
Memoranda
$12Average assets
$36,032Average earning assets
$2,167Average equity
$27,497Average loans

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