First Fidelity Bank, National Association in Oklahoma City, Oklahoma (OK), AZ
Overview, Financial Summary, Detailed Financial Reports, Branches


  • First Fidelity Bank, National Association in Oklahoma City, Oklahoma (OK), AZ
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First Fidelity Bank, National Association - Overview

  • General
  • FDIC Certificate #: 23473
    Status: Active
    Federal Reserve ID: 106359
    Bank Holding Company (Regulatory Top Holder): First Fidelity Bancorp, Inc. (RSSDID: 1064728, Location: Oklahoma City, OK)
    Date Established: July 01, 1981
    WWW: http://www.ffb.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 28 (Domestic: 28, Interstate: Yes)
    OTS Docket #: 11621
    FDIC's unique #: 16451
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: July 01, 1981
    Last Structure Change Effective Date: September 01, 2010
    Last Structure Change Process Date: September 21, 2010
    Last Data Update: September 21, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 5100 N Classen Blvd, Oklahoma City, OK 73118
    County: Oklahoma
    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
    Metropolitan Statistical Area (MSA): Oklahoma City, OK (#5880)
    Combined Statistical Area (CSA): Oklahoma City-Shawnee, OK (#416)
    Core Based Statistical Area (CBSA): Oklahoma City, OK (#36420)
    CBSA Metro Statistical Area: Oklahoma City, OK (#36420)
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $1,141.9 mil
    Equity capital: $130.4 mil
    Deposits held in domestic offices: $903.8 mil
    Return on assets (ROA): 0.80% ($9.1 mil)
    Quarterly return on assets: 0.86% ($9.8 mil)
    Return on Equity (ROE): 7.44% ($9.7 mil)
    Quarterly return on equity: 7.52% ($9.8 mil)
    Net income: $9.1 mil
    Quarterly Net income: $2.4 mil
    Pretax return on assets: 0.80% ($9,135.5 mil)
    Quarterly Pretax return on assets: 0.86% ($9,820.6 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
  • 305Total employees (full-time equivalent)
  • $1,141,933Total assets
  • $38,143Cash and due from depository institutions
  • $17,743Interest-bearing balances
  • $384,500Securities
  • $1,111Federal funds sold & reverse repurchase agreements
  • $616,115Net loans & leases
  • $10,833Loan loss allowance
  • $0Trading account assets
  • $33,073Bank premises and fixed assets
  • $7,364Other real estate owned
  • $21,491Goodwill and other intangibles
  • $1,141,933Life insurance assets
  • $40,136All other assets
  • $1,011,490Total liabilities and capital
  • $903,789Total liabilities
  • $631,239Total deposits
  • $903,789Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $104,000Trading liabilities
  • $0Other borrowed funds
  • $3,701Subordinated debt
  • $130,443All other liabilities
  • $130,443Total equity capital
  • $130,443Total bank equity capital
  • $0Perpetual preferred stock
  • $2,840Common stock
  • $81,917Surplus
  • $45,686Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,766Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $16,423Income earned, not collected on loans
  • $0Earning assets
  • $3,488Long-term assets (5+ years)
  • $1,019,469Average Assets, year-to-date
  • $327,202Average Assets, quarterly
  • $1,138,060Volatile liabilities
  • $1,141,928Insider loans
  • $733,136FHLB advances
  • $1,123,776Loans and leases held for sale
  • $21,489Unused loan commitments
  • $14,471Tier 1 (core) risk-based capital
  • $99,238Tier 2 risk-based capital
  • $7,018Total risk weighted assets
  • $0Total unused commitments
  • $45,842Restructured Loans and leases
  • $11,522Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $49,101Total interest income
  • $7,990Total interest expense
  • $41,111Net interest income
  • $7,850Provision for loan and lease losses
  • $13,335Total noninterest income
  • $23Fiduciary activities
  • $7,366Service charges on deposit accounts
  • $0Trading account gains & fees
  • $5,946Additional noninterest income
  • $37,156Total noninterest expense
  • $17,443Salaries and employee benefits
  • $4,905Premises and equipment expense
  • $14,808Additional noninterest expense
  • $9,440Pre-tax net operating income
  • -$298Securities gains (losses)
  • $0Applicable income taxes
  • $9,142Income before extraordinary items
  • $0Extraordinary gains - net
  • $9,142Net income attributable to bank
  • $0Net charge-offs
  • $9,142Cash dividends
  • $7,952Sale, 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
  • 0.78%Cost of funding earning assets
  • 4.04%Net interest margin
  • 1.31%Noninterest income to earning assets
  • 3.65%Noninterest expense to earning assets
  • 0.83%Net operating income to assets
  • 0.80%Return on assets (ROA)
  • 0.80%Pretax return on assets
  • 7.44%Return on equity (ROE)
  • 7.44%Retained earnings to average equity (YTD only)
  • 1.26%Net charge-offs to loans
  • 98.72%Credit loss provision to net charge-offs
  • 2.17%Efficiency ratio
  • 65,581Assets per employee
  • 3.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.73%Loss allowance to noncurrent loans
  • 65.96%Noncurrent assets plus other real estate owned to assets
  • 2.08%Noncurrent loans to loans
  • 2.62%Net loans and leases to deposits
  • 68.17%Net loans and leases to core deposits
  • 72.07%Equity capital to assets
  • 11.42%Core capital (leverage) ratio
  • 8.83%Tier 1 risk-based capital ratio
  • 13.54%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $1,138,060Average earning assets
  • $122,874Average equity
  • $1,018,775Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $48,418Managed Assets
  • 1Number of Accounts
  • $43,059Personal trust and agency accounts
  • $18,623Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $2,711Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $13,109Other fiduciary accounts
  • $8,616Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 72Number of Accounts
  • $0Personal trust and agency accounts
  • $2,711Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $5,359Other retirement accounts
  • $0Corporate trust and agency accounts
  • $11Other fiduciary accounts
  • $197Fiduciary accounts held in foreign offices

List of branches

  • 4 Arizona Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    25445514First Fidelity Bank Phoenix Branch6232 N. 32nd Street, Phoenix, AZ 85018April 06, 2006Full Service Brick and Mortar
    2616991Downtown Scottsdale Branch7401 East Camelback, Scottsdale, AZ 85251April 25, 1983Full Service Brick and Mortar
    27257409Greenway Branch16277 North Greenway - Hayden Loop, Scottsdale, AZ 85260May 27, 1999Full Service Brick and Mortar
    28419611Deer Valley Branch22841 North 19th Avenue, Phoenix, AZ 85027October 04, 2002Full Service Brick and Mortar
  • 24 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    016451First Fidelity Bank, National Association5100 N Classen Blvd, Oklahoma City, OK 73118July 01, 1981Full Service Brick and Mortar
    116043Moore Main Branch400 South Eastern, Moore, OK 73160August 20, 1979Full Service Brick and Mortar
    2255612Wal-Mart Branch501 Sw 19th, Moore, OK 73170January 03, 1984Full Service Retail
    312206Capitol Hill Office700 S.W. 29th Street, Oklahoma City, OK 73109August 24, 1960Full Service Brick and Mortar
    52718Downtown Norman Office131 East Main Street, Norman, OK 73069January 01, 1922Full Service Brick and Mortar
    6256369Brookhaven Branch3595 West Robinson, Norman, OK 73072September 08, 1992Full Service Brick and Mortar
    7256370West Moore Office11919 S. Pennsylvania Ave., Oklahoma City, OK 73170October 25, 1995Full Service Brick and Mortar
    81236939th Expressway Office5800 Nw 39th Expressway, Warr Acres, OK 73122December 28, 1961Full Service Brick and Mortar
    932926Midwest City Branch301 North Air Depot Boulevard, Midwest City, OK 73110August 08, 1985Full Service Brick and Mortar
    10245456Northwest Expressway Office5563 Northwest Expressway, Warr Acres, OK 73132October 24, 1994Full Service Brick and Mortar
    11256371Classen Branch2000 Classen, Oklahoma City, OK 73106August 26, 1996Full Service Brick and Mortar
    12256372Meridian Avenue Branch1400 South Meridian Avenue, Oklahoma City, OK 73108January 05, 1998Full Service Brick and Mortar
    14256374Norman Detached Facility Branch1724 West Lindsey, Norman, OK 73072January 18, 1999Full Service Retail
    17357347Edmond Rose Creek Office Branch2825 Northwest 164th, Edmond, OK 73013Febuary 15, 1999Full Service Retail
    18359777Noble Branch900 N. Main Street, Noble, OK 73068December 19, 2000Full Service Brick and Mortar
    19362243Mustang Branch1521 N Mustang Road, Mustang, OK 73064June 20, 2000Full Service Brick and Mortar
    20362521Tulsa Branch30 West 21st Street South, Tulsa, OK 74114August 21, 2001Full Service Brick and Mortar
    21419425Nichols Hills Office Branch1144 Nw 63rd, Oklahoma City, OK 73116October 25, 2002Full Service Brick and Mortar
    22441933Signal Hill - Tulsa Office Branch8120 S. Yale Ave., Tulsa, OK 74137July 01, 2004Full Service Brick and Mortar
    2373818Edmond Broadway Branch2600 South Broadway, Edmond, OK 73013September 17, 1999Full Service Brick and Mortar
    24443067Edmond Coffee Creek Branch725 W Covell, Edmond, OK 73003October 24, 2003Full Service Brick and Mortar
    29480764Quail Creek Branch10904 North May, Suite A, Oklahoma City, OK 73120August 29, 2007Full Service Brick and Mortar
    30480765Macarthur Boulevard Branch12215 N Macarthur Blvd, Oklahoma City, OK 73162June 02, 2008Full Service Brick and Mortar
    31505890Downtown Branch722 North Broadway Avenue, Oklahoma City, OK 73102June 21, 2007Full Service Brick and Mortar

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