FDIC Certificate #: 420 Status: Active Federal Reserve ID: 286251 Bank Holding Company (Regulatory Top Holder): Vici Bancorporation (RSSDID: 1055605, Location: Vici, OK) Date Established: January 01, 1902 WWW:http://www.bankofvici.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 325 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: All Other Specialization < 1 Billion Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 121 West Broadway, Vici, OK 73859 County: Dewey 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
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $41.7 mil Equity capital: $4.0 mil Deposits held in domestic offices: $37.6 mil Return on assets (ROA): 0.31% ($0.1 mil) Quarterly return on assets: 0.39% ($0.2 mil) Return on Equity (ROE): 3.59% ($0.1 mil) Quarterly return on equity: 4.11% ($0.2 mil) Net income: $0.1 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.31% ($129.1 mil) Quarterly Pretax return on assets: 0.39% ($162.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2011)
Dollar figures in thousands
14Total employees (full-time equivalent)
$41,657Total assets
$5,499Cash and due from depository institutions
$5,052Interest-bearing balances
$8,578Securities
$7,142Federal funds sold & reverse repurchase agreements
$18,673Net loans & leases
$297Loan loss allowance
$0Trading account assets
$287Bank premises and fixed assets
$39Other real estate owned
$0Goodwill and other intangibles
$41,657Life insurance assets
$1,439All other assets
$37,663Total liabilities and capital
$37,600Total liabilities
$30,529Total deposits
$37,600Interest-bearing deposits
$96Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$63Subordinated debt
$3,994All other liabilities
$3,994Total equity capital
$3,994Total bank equity capital
$0Perpetual preferred stock
$300Common stock
$300Surplus
$3,394Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$442Income earned, not collected on loans
$0Earning assets
$221Long-term assets (5+ years)
$39,445Average Assets, year-to-date
$3,500Average Assets, quarterly
$40,400Volatile liabilities
$41,655Insider loans
$22,693FHLB advances
$41,665Loans and leases held for sale
$1,056Unused loan commitments
$1,056Tier 1 (core) risk-based capital
$3,699Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,062Restructured Loans and leases
$156Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,950Total interest income
$547Total interest expense
$1,403Net interest income
$245Provision for loan and lease losses
$362Total noninterest income
$0Fiduciary activities
$250Service charges on deposit accounts
$0Trading account gains & fees
$112Additional noninterest income
$1,396Total noninterest expense
$820Salaries and employee benefits
$140Premises and equipment expense
$436Additional noninterest expense
$124Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$124Income before extraordinary items
$0Extraordinary gains - net
$124Net income attributable to bank
$0Net charge-offs
$124Cash dividends
$142Sale, conversion, retirement of capital stock, net
$44Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.14%Yield on earning assets
1.44%Cost of funding earning assets
3.70%Net interest margin
0.95%Noninterest income to earning assets
3.68%Noninterest expense to earning assets
0.31%Net operating income to assets
0.31%Return on assets (ROA)
0.31%Pretax return on assets
3.59%Return on equity (ROE)
2.31%Retained earnings to average equity (YTD only)
0.69%Net charge-offs to loans
172.54%Credit loss provision to net charge-offs
2.60%Efficiency ratio
79,093Assets per employee
2.98%Cash dividends to net income (YTD only)
Condition Ratios (%)
35.48%Loss allowance to loans
1.57%Loss allowance to noncurrent loans
67.19%Noncurrent assets plus other real estate owned to assets
1.15%Noncurrent loans to loans
2.33%Net loans and leases to deposits
49.66%Net loans and leases to core deposits
52.07%Equity capital to assets
9.59%Core capital (leverage) ratio
8.88%Tier 1 risk-based capital ratio
16.30%Total risk-based capital ratio
Memoranda
$18Average assets
$40,400Average earning assets
$3,456Average equity
$37,915Average loans
List of branches
1 Oklahoma Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
325
Bank Of Vici
121 West Broadway, Vici, OK 73859
January 01, 1902
Full Service Brick and Mortar
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