FDIC Certificate #: 58680 Status: Active Federal Reserve ID: 3599804 Date Established: September 28, 2009 WWW:http://www.greatnationsbank.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) FDIC's unique #: 462768 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: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: September 28, 2009 Last Structure Change Effective Date: September 28, 2009 Last Structure Change Process Date: September 29, 2009 Last Data Update: September 29, 2009 Data Source Date: April 05, 2012
Location
Address: 2200 Alameda Street, Norman, OK 73071 County: Cleveland 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
Change in Geographic Region/Area/Territory/Field Office
New Institution
Financial Summary
Total assets: $30.8 mil Equity capital: $8.3 mil Deposits held in domestic offices: $22.4 mil Return on assets (ROA): -2.50% (-$0.8 mil) Quarterly return on assets: -2.16% (-$0.7 mil) Return on Equity (ROE): -9.24% (-$0.7 mil) Quarterly return on equity: -8.47% (-$0.7 mil) Net income: -$0.8 mil Quarterly Net income: -$0.2 mil Pretax return on assets: -2.50% (-$770.5 mil) Quarterly Pretax return on assets: -2.16% (-$665.7 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
9Total employees (full-time equivalent)
$30,820Total assets
$648Cash and due from depository institutions
$308Interest-bearing balances
$4,143Securities
$6,181Federal funds sold & reverse repurchase agreements
$17,189Net loans & leases
$243Loan loss allowance
$0Trading account assets
$2,538Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$30,820Life insurance assets
$121All other assets
$22,518Total liabilities and capital
$22,436Total liabilities
$19,562Total deposits
$22,436Interest-bearing deposits
$92Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$82Subordinated debt
$8,302All other liabilities
$8,302Total equity capital
$8,302Total bank equity capital
$0Perpetual preferred stock
$14Common stock
$12,766Surplus
$-4,478Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$137Income earned, not collected on loans
$0Earning assets
$67Long-term assets (5+ years)
$27,821Average Assets, year-to-date
$2,843Average Assets, quarterly
$31,574Volatile liabilities
$32,935Insider loans
$21,426FHLB advances
$33,383Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$8,301Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,194Restructured Loans and leases
$302Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,120Total interest income
$292Total interest expense
$828Net interest income
$85Provision for loan and lease losses
$632Total noninterest income
$0Fiduciary activities
$10Service charges on deposit accounts
$0Trading account gains & fees
$622Additional noninterest income
$2,163Total noninterest expense
$803Salaries and employee benefits
$188Premises and equipment expense
$1,172Additional noninterest expense
-$788Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$788Income before extraordinary items
$0Extraordinary gains - net
-$788Net income attributable to bank
$0Net charge-offs
-$788Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.93%Yield on earning assets
1.02%Cost of funding earning assets
2.90%Net interest margin
2.22%Noninterest income to earning assets
7.59%Noninterest expense to earning assets
-2.50%Net operating income to assets
-2.50%Return on assets (ROA)
-2.50%Pretax return on assets
-9.24%Return on equity (ROE)
-9.24%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
148,151Assets per employee
3.42%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.39%Loss allowance to noncurrent loans
177.37%Noncurrent assets plus other real estate owned to assets
0.44%Noncurrent loans to loans
0.79%Net loans and leases to deposits
76.61%Net loans and leases to core deposits
80.93%Equity capital to assets
26.94%Core capital (leverage) ratio
24.87%Tier 1 risk-based capital ratio
38.74%Total risk-based capital ratio
Memoranda
$40Average assets
$31,574Average earning assets
$8,530Average equity
$28,503Average loans
List of branches
1 Oklahoma Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
462768
Great Nations Bank
2200 Alameda Street, Norman, OK 73071
September 28, 2009
Full Service Brick and Mortar
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