FDIC Certificate #: 21339 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:RCB Bank (#15399) Federal Reserve ID: 880257 Date Established: December 03, 1973 Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 2 (Interstate: No) FDIC's unique #: 14764 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: December 03, 1973 Last Structure Change Effective Date: July 10, 1998 Last Structure Change Process Date: July 27, 1998 Last Data Update: July 27, 1998 Data Source Date: April 05, 2012
Location
Address: 1300 East Kenosha, Broken Arrow, OK 74012 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: $30.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1997)
Dollar figures in thousands
12Total employees (full-time equivalent)
$29,816Total assets
$925Cash and due from depository institutions
$100Interest-bearing balances
$9,371Securities
$900Federal funds sold & reverse repurchase agreements
$15,504Net loans & leases
$315Loan loss allowance
$0Trading account assets
$364Bank premises and fixed assets
$85Other real estate owned
$2,209Goodwill and other intangibles
$0Life insurance assets
$458All other assets
$29,816Total liabilities and capital
$25,246Total liabilities
$24,954Total deposits
$19,182Interest-bearing deposits
$24,954Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$292All other liabilities
$4,570Total equity capital
$4,570Total bank equity capital
$4,570Perpetual preferred stock
$0Common stock
$300Surplus
$4,085Undivided profits
Memoranda
$185Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$90Earning assets
$0Long-term assets (5+ years)
$131Average Assets, year-to-date
$25,875Average Assets, quarterly
$4,203Volatile liabilities
$28,058Insider loans
$29,808FHLB advances
$3,212Loans and leases held for sale
$39Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$914Total unused commitments
$0Restructured Loans and leases
$16,861Derivatives
Income and Expense (December 31, 1997)
Dollar figures in thousands
$762Total interest income
$301Total interest expense
$461Net interest income
$42Provision for loan and lease losses
$124Total noninterest income
$0Fiduciary activities
$112Service charges on deposit accounts
$0Trading account gains & fees
$12Additional noninterest income
$388Total noninterest expense
$182Salaries and employee benefits
$34Premises and equipment expense
$172Additional noninterest expense
$155Pre-tax net operating income
$0Securities gains (losses)
$41Applicable income taxes
$114Income before extraordinary items
$0Extraordinary gains - net
$114Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$53Sale, conversion, retirement of capital stock, net
$50Net operating income
Performance and Condition Ratios (December 31, 1997)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.03%Yield on earning assets
1.20%Cost of funding earning assets
1.83%Net interest margin
0.49%Noninterest income to earning assets
1.54%Noninterest expense to earning assets
0.41%Net operating income to assets
0.41%Return on assets (ROA)
0.55%Pretax return on assets
3.68%Return on equity (ROE)
2.07%Retained earnings to average equity (YTD only)
0.34%Net charge-offs to loans
79.25%Credit loss provision to net charge-offs
3.72%Efficiency ratio
54,359Assets per employee
2.48%Cash dividends to net income (YTD only)
Condition Ratios (%)
43.86%Loss allowance to loans
1.99%Loss allowance to noncurrent loans
350.00%Noncurrent assets plus other real estate owned to assets
0.59%Noncurrent loans to loans
0.57%Net loans and leases to deposits
62.13%Net loans and leases to core deposits
71.31%Equity capital to assets
15.33%Core capital (leverage) ratio
8.24%Tier 1 risk-based capital ratio
13.58%Total risk-based capital ratio
Memoranda
$15Average assets
$28,058Average earning assets
$3,098Average equity
$25,155Average loans
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