Vitals
  • Total Assets
    319.2M 1.4 %
  • Total Deposits
    284.2M 1.9 %
  • Total Net Loans
    194.6M 1.6 %
  • Net Income
    6.6M -5.2 %
  • Book Value
    33.2M -3.5 %
  • Book Value x2
    66.4M -3.5 %
  • Book Value x3
    99.6M -3.5 %
ROAA

2.042

ROAE

18.985

Efficiency Ratio

44.348

Net Interest Margin

3.757

Balance Sheet Highlights
Financial Highlights The First National Bank & Trust All Insured Commercial Banks in Oklahoma
Balance Sheet $(000)
Total Assets 319,213 202,868
Total Net Loans 194,614 137,756
Total Deposits 284,167 172,449
Total Equity 33,189 21,595
Profitability
Net Income 6,583 2,672
Return on Average Assets 2.042 1.261
Return on Average Equity 18.985 11.655
Net Interest Margin 3.757 4.163
Efficiency Ratio 44.348 67.201
Noninterest Income/Revenue 10.486 16.695
Balance Sheet Ratios
Loan-to-Deposit 68.486 75.305
Securities/Assets .304 .172
Total Equity/Total Assets .104 .106
Tangible Equity/Tangible Assets .104 .104
Capital Adequacy
Tier 1 Common Capital 32,866 21,413
Tier 1 Capital 32,866 21,413
Tier 2 Capital 2,474 1,666
Total Capital 35,340 23,103
Total Risk Weighted Assets 197,014 150,667
Leverage Ratio 10.15 10.837
Common Equity Tier 1 Capital Ratio 16.68 15.74
Tier 1 Capital Ratio 16.68 15.742
Total Capital Ratio 17.94 16.809

Timeline for The First National Bank & Trust

Western Oklahoma Insurance Agency

Western Oklahoma Insurance Agency became a new subsidiary organization for The First National Bank & Trust.

View Profile Aug 01 1997

Western Oklahoma Financial Services, Inc.

Western Oklahoma Financial Services, Inc. became a new parent organization for The First National Bank & Trust.

View Profile Aug 28 1995

The First National Bank & Trust

The First National Bank & Trust was established 123 years ago and is currently headquartered in Elk City, OK.

Apr 19 1901
Relationships Role Relationship Start Relationship End
Western Oklahoma Financial Services, Inc. Parent 8/28/1995
Western Oklahoma Insurance Agency Subsidary 6/30/2007
Western Oklahoma Insurance Agency Subsidary 8/1/1997 6/29/2007
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