FDIC Certificate #: 416 Status: Active Federal Reserve ID: 3953 Bank Holding Company (Regulatory Top Holder): Fcb Holdings, Inc. (RSSDID: 2324951, Location: Kingfisher, OK) Date Established: January 01, 1902 WWW:http://www.fcbanker.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) OTS Docket #: 17888 FDIC's unique #: 321 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: Commercial Lending Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: July 15, 2011 Last Structure Change Process Date: August 30, 2011 Last Data Update: August 30, 2011 Data Source Date: April 05, 2012
Location
Address: 601 South Main Street, Kingfisher, OK 73750 County: Kingfisher 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
Change in Location
Financial Summary
Total assets: $53.3 mil Equity capital: $1.8 mil Deposits held in domestic offices: $51.0 mil Return on assets (ROA): -7.30% (-$3.9 mil) Quarterly return on assets: 1.71% ($0.9 mil) Return on Equity (ROE): -116.26% (-$2.3 mil) Quarterly return on equity: 53.96% ($1.1 mil) Net income: -$6.8 mil Quarterly Net income: $0.2 mil Pretax return on assets: -7.30% (-$3,892.4 mil) Quarterly Pretax return on assets: 1.71% ($911.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
17Total employees (full-time equivalent)
$53,320Total assets
$6,041Cash and due from depository institutions
$3,160Interest-bearing balances
$4Securities
$5,915Federal funds sold & reverse repurchase agreements
$32,075Net loans & leases
$2,139Loan loss allowance
$0Trading account assets
$2,163Bank premises and fixed assets
$5,727Other real estate owned
$0Goodwill and other intangibles
$53,320Life insurance assets
$1,395All other assets
$51,492Total liabilities and capital
$51,012Total liabilities
$34,973Total deposits
$51,012Interest-bearing deposits
$99Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$266Trading liabilities
$0Other borrowed funds
$214Subordinated debt
$1,828All other liabilities
$1,828Total equity capital
$1,828Total bank equity capital
$0Perpetual preferred stock
$500Common stock
$3,680Surplus
$-2,352Undivided profits
Memoranda
$0Noncurrent loans and leases
$1,639Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$11,210Income earned, not collected on loans
$0Earning assets
$293Long-term assets (5+ years)
$41,154Average Assets, year-to-date
$1,593Average Assets, quarterly
$92,755Volatile liabilities
$53,951Insider loans
$39,846FHLB advances
$53,686Loans and leases held for sale
$177Unused loan commitments
$177Tier 1 (core) risk-based capital
$1,828Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$7,951Restructured Loans and leases
$351Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,935Total interest income
$572Total interest expense
$3,363Net interest income
$6,727Provision for loan and lease losses
$1,408Total noninterest income
$0Fiduciary activities
$599Service charges on deposit accounts
$0Trading account gains & fees
$809Additional noninterest income
$4,815Total noninterest expense
$1,846Salaries and employee benefits
$542Premises and equipment expense
$2,427Additional noninterest expense
-$6,771Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$6,771Income before extraordinary items
$0Extraordinary gains - net
-$6,771Net income attributable to bank
$0Net charge-offs
-$6,771Cash dividends
$7,366Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.82%Yield on earning assets
0.70%Cost of funding earning assets
4.12%Net interest margin
1.73%Noninterest income to earning assets
5.90%Noninterest expense to earning assets
-7.30%Net operating income to assets
-7.30%Return on assets (ROA)
-7.30%Pretax return on assets
-116.26%Return on equity (ROE)
-116.26%Retained earnings to average equity (YTD only)
9.37%Net charge-offs to loans
91.33%Credit loss provision to net charge-offs
-0.01%Efficiency ratio
100,922Assets per employee
3.14%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
6.25%Loss allowance to noncurrent loans
19.08%Noncurrent assets plus other real estate owned to assets
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