FDIC Certificate #: 23349 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Gold BANK (#413) Federal Reserve ID: 275554 Date Established: March 16, 1981 Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 3 (Interstate: No) OTS Docket #: 11769 FDIC's unique #: 16367 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: March 16, 1981 Last Structure Change Effective Date: November 11, 2000 Last Structure Change Process Date: December 01, 2000 Last Data Update: December 01, 2000 Data Source Date: April 05, 2012
Location
Address: 2500 West Edison Street, Tulsa, OK 74127 County: Tulsa Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Kansas City 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: $282.2 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1999)
Dollar figures in thousands
53Total employees (full-time equivalent)
$293,952Total assets
$21,329Cash and due from depository institutions
$350Interest-bearing balances
$42,613Securities
$1,300Federal funds sold & reverse repurchase agreements
$220,598Net loans & leases
$2,929Loan loss allowance
$0Trading account assets
$4,417Bank premises and fixed assets
$693Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$3,002All other assets
$293,952Total liabilities and capital
$270,087Total liabilities
$267,278Total deposits
$231,844Interest-bearing deposits
$267,278Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$762Other borrowed funds
$0Subordinated debt
$2,047All other liabilities
$23,865Total equity capital
$23,865Total bank equity capital
$23,865Perpetual preferred stock
$0Common stock
$1,000Surplus
$5,850Undivided profits
Memoranda
$17,015Noncurrent loans and leases
$31,815Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$157Earning assets
$0Long-term assets (5+ years)
$1,291Average Assets, year-to-date
$264,861Average Assets, quarterly
$38,668Volatile liabilities
$274,096Insider loans
$286,112FHLB advances
$45,245Loans and leases held for sale
$933Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$31,815Total unused commitments
$0Restructured Loans and leases
$2,929Derivatives
Income and Expense (December 31, 1999)
Dollar figures in thousands
$22,192Total interest income
$10,397Total interest expense
$11,795Net interest income
$400Provision for loan and lease losses
$1,696Total noninterest income
$0Fiduciary activities
$201Service charges on deposit accounts
$0Trading account gains & fees
$1,495Additional noninterest income
$4,465Total noninterest expense
$2,041Salaries and employee benefits
$485Premises and equipment expense
$1,939Additional noninterest expense
$8,626Pre-tax net operating income
$0Securities gains (losses)
$2,941Applicable income taxes
$5,685Income before extraordinary items
$0Extraordinary gains - net
$5,685Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$325Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 1999)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.73%Yield on earning assets
4.09%Cost of funding earning assets
4.64%Net interest margin
0.67%Noninterest income to earning assets
1.76%Noninterest expense to earning assets
2.07%Net operating income to assets
2.07%Return on assets (ROA)
3.15%Pretax return on assets
26.55%Return on equity (ROE)
26.55%Retained earnings to average equity (YTD only)
0.16%Net charge-offs to loans
123.08%Credit loss provision to net charge-offs
27.77%Efficiency ratio
33,096Assets per employee
5.55%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.31%Loss allowance to noncurrent loans
1865.61%Noncurrent assets plus other real estate owned to assets
0.29%Noncurrent loans to loans
0.07%Net loans and leases to deposits
82.54%Net loans and leases to core deposits
99.35%Equity capital to assets
8.12%Core capital (leverage) ratio
8.50%Tier 1 risk-based capital ratio
9.87%Total risk-based capital ratio
Memoranda
$11Average assets
$274,096Average earning assets
$21,409Average equity
$254,151Average loans
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