FDIC Certificate #: 24538 Status: Inactive Federal Reserve ID: 4455 Date Established: June 03, 1983 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 7 (Interstate: No) OTS Docket #: 14566 FDIC's unique #: 17044 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes Oakar Institutions: Yes State Chartered: Yes Date of Deposit Insurance: June 03, 1983 Last Structure Change Effective Date: December 18, 1999 Last Structure Change Process Date: January 04, 2000 Last Data Update: Febuary 24, 2000 Data Source Date: April 05, 2012
Location
Address: 700 East Memorial Road, Oklahoma City, OK 73113 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
Other Liquidations and Closings
Corrections
Office Sold
Financial Summary
Total assets: $131.3 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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
61Total employees (full-time equivalent)
$160,021Total assets
$7,425Cash and due from depository institutions
$5,074Interest-bearing balances
$40,778Securities
$3,327Federal funds sold & reverse repurchase agreements
$94,948Net loans & leases
$3,500Loan loss allowance
$0Trading account assets
$2,777Bank premises and fixed assets
$285Other real estate owned
$561Goodwill and other intangibles
$0Life insurance assets
$9,920All other assets
$160,021Total liabilities and capital
$152,163Total liabilities
$151,171Total deposits
$138,623Interest-bearing deposits
$151,171Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$992All other liabilities
$7,858Total equity capital
$7,858Total bank equity capital
$7,858Perpetual preferred stock
$0Common stock
$1,250Surplus
$1,250Undivided profits
Memoranda
$5,358Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1,363Earning assets
$0Long-term assets (5+ years)
$1,231Average Assets, year-to-date
$144,127Average Assets, quarterly
$33,883Volatile liabilities
$166,257Insider loans
$162,684FHLB advances
$23,320Loans and leases held for sale
$510Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$8,809Total unused commitments
$0Restructured Loans and leases
$105,119Derivatives
Income and Expense (December 31, 1998)
Dollar figures in thousands
$13,670Total interest income
$6,883Total interest expense
$6,787Net interest income
$15,695Provision for loan and lease losses
$1,575Total noninterest income
$0Fiduciary activities
$1,440Service charges on deposit accounts
$0Trading account gains & fees
$135Additional noninterest income
$4,340Total noninterest expense
$1,945Salaries and employee benefits
$733Premises and equipment expense
$1,662Additional noninterest expense
-$11,673Pre-tax net operating income
-$107Securities gains (losses)
-$5,924Applicable income taxes
-$5,856Income before extraordinary items
$0Extraordinary gains - net
-$5,856Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$14,029Sale, conversion, retirement of capital stock, net
$17Net operating income
Performance and Condition Ratios (December 31, 1998)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.85%Yield on earning assets
4.46%Cost of funding earning assets
4.39%Net interest margin
1.02%Noninterest income to earning assets
2.81%Noninterest expense to earning assets
-3.48%Net operating income to assets
-3.52%Return on assets (ROA)
-7.09%Pretax return on assets
-44.10%Return on equity (ROE)
-44.22%Retained earnings to average equity (YTD only)
13.77%Net charge-offs to loans
111.88%Credit loss provision to net charge-offs
0.29%Efficiency ratio
51,901Assets per employee
2.62%Cash dividends to net income (YTD only)
Condition Ratios (%)
-0.29%Loss allowance to loans
3.56%Loss allowance to noncurrent loans
256.79%Noncurrent assets plus other real estate owned to assets
1.03%Noncurrent loans to loans
1.38%Net loans and leases to deposits
62.81%Net loans and leases to core deposits
74.26%Equity capital to assets
4.91%Core capital (leverage) ratio
2.63%Tier 1 risk-based capital ratio
3.87%Total risk-based capital ratio
Memoranda
$5Average assets
$166,257Average earning assets
$13,280Average equity
$154,431Average loans
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