FDIC Certificate #: 8981 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Oklahoma Bank and Trust Company (#4067) Federal Reserve ID: 43650 Date Established: January 01, 1901 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Interstate: No) FDIC's unique #: 5737 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: August 23, 1999 Last Structure Change Process Date: September 21, 1999 Last Data Update: September 21, 1999 Data Source Date: April 05, 2012
Location
Address: Main Street, Arapaho, OK 73620 County: Custer 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 Core Based Statistical Area (CBSA): Weatherford, OK (#48220) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $13.6 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1998)
Dollar figures in thousands
6Total employees (full-time equivalent)
$12,757Total assets
$1,740Cash and due from depository institutions
$1,486Interest-bearing balances
$5,597Securities
$575Federal funds sold & reverse repurchase agreements
$4,597Net loans & leases
$400Loan loss allowance
$0Trading account assets
$28Bank premises and fixed assets
$30Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$190All other assets
$12,757Total liabilities and capital
$11,070Total liabilities
$10,647Total deposits
$10,103Interest-bearing deposits
$10,647Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$423All other liabilities
$1,687Total equity capital
$1,687Total bank equity capital
$1,687Perpetual preferred stock
$0Common stock
$300Surplus
$300Undivided profits
Memoranda
$1,087Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$29Earning assets
$0Long-term assets (5+ years)
$113Average Assets, year-to-date
$12,255Average Assets, quarterly
$418Volatile liabilities
$12,553Insider loans
$12,677FHLB advances
$1,910Loans and leases held for sale
$226Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$632Total unused commitments
$0Restructured Loans and leases
$5,216Derivatives
Income and Expense (December 31, 1998)
Dollar figures in thousands
$958Total interest income
$412Total interest expense
$546Net interest income
$0Provision for loan and lease losses
$53Total noninterest income
$0Fiduciary activities
$42Service charges on deposit accounts
$0Trading account gains & fees
$11Additional noninterest income
$317Total noninterest expense
$196Salaries and employee benefits
$23Premises and equipment expense
$98Additional noninterest expense
$282Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$282Income before extraordinary items
$0Extraordinary gains - net
$282Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$16Sale, conversion, retirement of capital stock, net
$300Net operating income
Performance and Condition Ratios (December 31, 1998)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.93%Yield on earning assets
3.41%Cost of funding earning assets
4.52%Net interest margin
0.44%Noninterest income to earning assets
2.62%Noninterest expense to earning assets
2.25%Net operating income to assets
2.25%Return on assets (ROA)
2.25%Pretax return on assets
15.77%Return on equity (ROE)
-1.01%Retained earnings to average equity (YTD only)
0.34%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
17.63%Efficiency ratio
52,922Assets per employee
2.13%Cash dividends to net income (YTD only)
Condition Ratios (%)
106.38%Loss allowance to loans
8.00%Loss allowance to noncurrent loans
1379.31%Noncurrent assets plus other real estate owned to assets
0.46%Noncurrent loans to loans
0.58%Net loans and leases to deposits
43.18%Net loans and leases to core deposits
52.62%Equity capital to assets
13.22%Core capital (leverage) ratio
13.29%Tier 1 risk-based capital ratio
32.35%Total risk-based capital ratio
Memoranda
$34Average assets
$12,553Average earning assets
$1,789Average equity
$12,083Average loans
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