FDIC Certificate #: 33797 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Legacy Bank (#4042) Federal Reserve ID: 2038566 Date Established: April 30, 1993 Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 2 (Interstate: No) OTS Docket #: 14502 FDIC's unique #: 48073 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: April 30, 1993 Last Structure Change Effective Date: April 29, 2000 Last Structure Change Process Date: May 25, 2000 Last Data Update: May 25, 2000 Data Source Date: April 05, 2012
Location
Address: 1000 North Main Street, Blanchard, OK 73010 County: Mcclain 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)
Financial Summary
Total assets: $32.4 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1999)
Dollar figures in thousands
27Total employees (full-time equivalent)
$35,038Total assets
$1,302Cash and due from depository institutions
$0Interest-bearing balances
$3,632Securities
$6,907Federal funds sold & reverse repurchase agreements
$21,130Net loans & leases
$158Loan loss allowance
$0Trading account assets
$1,807Bank premises and fixed assets
$36Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$224All other assets
$35,038Total liabilities and capital
$33,098Total liabilities
$33,028Total deposits
$22,479Interest-bearing deposits
$33,028Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$70All other liabilities
$1,940Total equity capital
$1,940Total bank equity capital
$1,940Perpetual preferred stock
$0Common stock
$650Surplus
$650Undivided profits
Memoranda
$640Noncurrent loans and leases
$1,131Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$38Earning assets
$0Long-term assets (5+ years)
$155Average Assets, year-to-date
$31,669Average Assets, quarterly
$311Volatile liabilities
$32,221Insider loans
$33,628FHLB advances
$200Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,131Total unused commitments
$0Restructured Loans and leases
$158Derivatives
Income and Expense (December 31, 1999)
Dollar figures in thousands
$2,215Total interest income
$921Total interest expense
$1,294Net interest income
$0Provision for loan and lease losses
$722Total noninterest income
$0Fiduciary activities
$472Service charges on deposit accounts
$0Trading account gains & fees
$250Additional noninterest income
$1,772Total noninterest expense
$712Salaries and employee benefits
$408Premises and equipment expense
$652Additional noninterest expense
$244Pre-tax net operating income
$0Securities gains (losses)
$3Applicable income taxes
$241Income before extraordinary items
$0Extraordinary gains - net
$241Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$3Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 1999)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.86%Yield on earning assets
3.27%Cost of funding earning assets
4.59%Net interest margin
2.56%Noninterest income to earning assets
6.28%Noninterest expense to earning assets
0.75%Net operating income to assets
0.75%Return on assets (ROA)
0.76%Pretax return on assets
13.31%Return on equity (ROE)
13.31%Retained earnings to average equity (YTD only)
0.02%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
81.33%Efficiency ratio
87,897Assets per employee
1.30%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.74%Loss allowance to noncurrent loans
415.79%Noncurrent assets plus other real estate owned to assets
0.21%Noncurrent loans to loans
0.18%Net loans and leases to deposits
63.98%Net loans and leases to core deposits
64.37%Equity capital to assets
5.54%Core capital (leverage) ratio
6.30%Tier 1 risk-based capital ratio
8.37%Total risk-based capital ratio
Memoranda
$9Average assets
$32,221Average earning assets
$1,811Average equity
$28,196Average loans
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