Central Oklahoma Bank in Depew, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 20, 1995

Central Oklahoma Bank in Depew, Oklahoma (OK)
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Central Oklahoma Bank - Overview

General
FDIC Certificate #: 4078
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: SpiritBank (#4048)
Federal Reserve ID: 951054
Date Established: January 01, 1907
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
FDIC's unique #: 2652
Numeric code: 21
Regulator: FDIC
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: January 01, 1934
Last Structure Change Effective Date: December 20, 1995
Last Structure Change Process Date: January 23, 1996
Last Data Update: January 23, 1996
Data Source Date: April 05, 2012
Location
Address: 401 Main Street, Depew, OK 74028
County: Creek
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: $12.8 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$10Total assets
$13,514Cash and due from depository institutions
$385Interest-bearing balances
$0Securities
$5,690Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$6,967Loan loss allowance
$50Trading account assets
$0Bank premises and fixed assets
$256Other real estate owned
$55Goodwill and other intangibles
$161Life insurance assets
$0All other assets
$0Total liabilities and capital
$13,514Total liabilities
$12,629Total deposits
$11,745Interest-bearing deposits
$10,694Deposits held in domestic offices
11745.00%% insured (estimated)
$93Federal funds purchased & repurchase agreements
$823Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$61Total equity capital
$61Total bank equity capital
$885Perpetual preferred stock
$0Common stock
$200Surplus
$200Undivided profits
Memoranda
$485Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$71Earning assets
$12,657Long-term assets (5+ years)
$1,093Average Assets, year-to-date
$13,241Average Assets, quarterly
$13,496Volatile liabilities
$1,927Insider loans
$103FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$66Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$885Total risk weighted assets
$5,862Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$947Total interest expense
$435Net interest income
$512Provision for loan and lease losses
$29Total noninterest income
$82Fiduciary activities
$0Service charges on deposit accounts
$67Trading account gains & fees
$0Additional noninterest income
$15Total noninterest expense
$474Salaries and employee benefits
$264Premises and equipment expense
$63Additional noninterest expense
$147Pre-tax net operating income
$91Securities gains (losses)
-$2Applicable income taxes
$23Income before extraordinary items
$66Extraordinary gains - net
$0Net income attributable to bank
$66Net charge-offs
$77Cash dividends
$83Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.70%Cost of funding earning assets
3.54%Net interest margin
4.16%Noninterest income to earning assets
0.67%Noninterest expense to earning assets
3.85%Net operating income to assets
0.51%Return on assets (ROA)
0.50%Pretax return on assets
0.67%Return on equity (ROE)
7.34%Retained earnings to average equity (YTD only)
-1.89%Net charge-offs to loans
1.22%Credit loss provision to net charge-offs
37.66%Efficiency ratio
79,798Assets per employee
1.35%Cash dividends to net income (YTD only)
Condition Ratios (%)
125.76%Loss allowance to loans
0.71%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.41%Noncurrent loans to loans
0.00%Net loans and leases to deposits
59.32%Net loans and leases to core deposits
65.47%Equity capital to assets
6.55%Core capital (leverage) ratio
6.54%Tier 1 risk-based capital ratio
15.10%Total risk-based capital ratio
Memoranda
$16Average assets
$13,241Average earning assets
$899Average equity
$12,300Average loans

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