FDIC Certificate #: 4064 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:American Heritage Bank (#4190) Federal Reserve ID: 1007556 Date Established: March 20, 1895 Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Interstate: No) FDIC's unique #: 2639 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: January 01, 1934 Last Structure Change Effective Date: April 13, 2002 Last Structure Change Process Date: April 24, 2002 Last Data Update: April 24, 2002 Data Source Date: April 05, 2012
Location
Address: 105 West Caddo Street, Cleveland, OK 74020 County: Pawnee 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 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: $25.2 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2001)
Dollar figures in thousands
14Total employees (full-time equivalent)
$25,137Total assets
$319Cash and due from depository institutions
$0Interest-bearing balances
$4,543Securities
$2,845Federal funds sold & reverse repurchase agreements
$16,749Net loans & leases
$295Loan loss allowance
$0Trading account assets
$310Bank premises and fixed assets
$111Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$260All other assets
$25,137Total liabilities and capital
$23,757Total liabilities
$23,680Total deposits
$19,901Interest-bearing deposits
$23,680Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$77All other liabilities
$1,380Total equity capital
$1,380Total bank equity capital
$1,380Perpetual preferred stock
$0Common stock
$100Surplus
$325Undivided profits
Memoranda
$955Noncurrent loans and leases
$794Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$900Earning assets
$0Long-term assets (5+ years)
$197Average Assets, year-to-date
$24,137Average Assets, quarterly
$2,522Volatile liabilities
$24,253Insider loans
$25,121FHLB advances
$4,535Loans and leases held for sale
$1Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$794Total unused commitments
$79Restructured Loans and leases
$224Derivatives
Income and Expense (December 31, 2001)
Dollar figures in thousands
$1,845Total interest income
$795Total interest expense
$1,050Net interest income
$20Provision for loan and lease losses
$193Total noninterest income
$0Fiduciary activities
$154Service charges on deposit accounts
$0Trading account gains & fees
$39Additional noninterest income
$983Total noninterest expense
$487Salaries and employee benefits
$109Premises and equipment expense
$387Additional noninterest expense
$240Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$240Income before extraordinary items
$0Extraordinary gains - net
$240Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$147Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2001)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.12%Yield on earning assets
3.50%Cost of funding earning assets
4.62%Net interest margin
0.85%Noninterest income to earning assets
4.33%Noninterest expense to earning assets
0.99%Net operating income to assets
0.99%Return on assets (ROA)
0.99%Pretax return on assets
18.57%Return on equity (ROE)
18.57%Retained earnings to average equity (YTD only)
0.91%Net charge-offs to loans
13.61%Credit loss provision to net charge-offs
1.77%Efficiency ratio
79,083Assets per employee
1.80%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.73%Loss allowance to noncurrent loans
32.78%Noncurrent assets plus other real estate owned to assets
4.02%Noncurrent loans to loans
5.28%Net loans and leases to deposits
70.73%Net loans and leases to core deposits
87.48%Equity capital to assets
5.49%Core capital (leverage) ratio
5.52%Tier 1 risk-based capital ratio
7.77%Total risk-based capital ratio
Memoranda
$9Average assets
$24,253Average earning assets
$1,292Average equity
$22,710Average loans
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