FDIC Certificate #: 20292 Status: Inactive Closing history: Absorption - Without Assistance Acquiring institution:Peoples Bank (#9882) Federal Reserve ID: 449850 Date Established: November 09, 1970 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Interstate: No) FDIC's unique #: 13966 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: Yes Date of Deposit Insurance: November 09, 1970 Last Structure Change Effective Date: Febuary 12, 2011 Last Structure Change Process Date: Febuary 16, 2011 Last Data Update: Febuary 16, 2011 Data Source Date: April 05, 2012
Location
Address: 3816 North Peoria Avenue, Tulsa, OK 74106 County: Tulsa 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 Metropolitan Statistical Area (MSA): Tulsa, OK (#8560) Combined Statistical Area (CSA): Tulsa-Bartlesville, OK (#538) Core Based Statistical Area (CBSA): Tulsa, OK (#46140) CBSA Metro Statistical Area: Tulsa, OK (#46140)
Financial Summary
Total assets: $7.4 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
2000 - 2011 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, 2010)
Dollar figures in thousands
5Total employees (full-time equivalent)
$7,414Total assets
$2,625Cash and due from depository institutions
$0Interest-bearing balances
$745Securities
$298Federal funds sold & reverse repurchase agreements
$3,441Net loans & leases
$85Loan loss allowance
$0Trading account assets
$175Bank premises and fixed assets
$25Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$105All other assets
$7,414Total liabilities and capital
$6,579Total liabilities
$6,568Total deposits
$5,173Interest-bearing deposits
$6,568Deposits held in domestic offices
96.84%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$11All other liabilities
$835Total equity capital
$835Total bank equity capital
$835Perpetual preferred stock
$0Common stock
$2,715Surplus
$2,222Undivided profits
Memoranda
$-4,102Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$97Earning assets
$0Long-term assets (5+ years)
$82Average Assets, year-to-date
$4,484Average Assets, quarterly
$1,217Volatile liabilities
$11,164Insider loans
$10,066FHLB advances
$491Loans and leases held for sale
$75Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$50Derivatives
Income and Expense (December 31, 2010)
Dollar figures in thousands
$658Total interest income
$142Total interest expense
$516Net interest income
$167Provision for loan and lease losses
$82Total noninterest income
$0Fiduciary activities
$91Service charges on deposit accounts
$0Trading account gains & fees
-$9Additional noninterest income
$877Total noninterest expense
$417Salaries and employee benefits
$68Premises and equipment expense
$392Additional noninterest expense
-$446Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$446Income before extraordinary items
$0Extraordinary gains - net
-$446Net income attributable to bank
$0Net charge-offs
-$446Cash dividends
$211Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2010)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.85%Yield on earning assets
1.48%Cost of funding earning assets
5.37%Net interest margin
0.85%Noninterest income to earning assets
9.13%Noninterest expense to earning assets
-4.00%Net operating income to assets
-4.00%Return on assets (ROA)
-4.00%Pretax return on assets
-47.07%Return on equity (ROE)
-47.07%Retained earnings to average equity (YTD only)
2.82%Net charge-offs to loans
79.15%Credit loss provision to net charge-offs
-1.32%Efficiency ratio
146,656Assets per employee
1.48%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.41%Loss allowance to noncurrent loans
87.63%Noncurrent assets plus other real estate owned to assets
1.65%Noncurrent loans to loans
2.75%Net loans and leases to deposits
52.39%Net loans and leases to core deposits
56.62%Equity capital to assets
11.26%Core capital (leverage) ratio
6.77%Tier 1 risk-based capital ratio
26.38%Total risk-based capital ratio
Memoranda
$28Average assets
$11,164Average earning assets
$948Average equity
$9,607Average loans
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