FDIC Certificate #: 26184 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:BancFirst (#27476) Federal Reserve ID: 316158 Date Established: April 01, 1985 WWW:http://www.lincbank.com Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 4 (Interstate: No) OTS Docket #: 11409 FDIC's unique #: 32471 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: No Date of Deposit Insurance: April 01, 1985 Last Structure Change Effective Date: Febuary 20, 2004 Last Structure Change Process Date: March 04, 2004 Last Data Update: March 04, 2004 Data Source Date: April 05, 2012
Location
Address: 1111 North Lincoln Boulevard, Oklahoma City, OK 73105 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)
Financial Summary
Total assets: $110.0 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2003)
Dollar figures in thousands
44Total employees (full-time equivalent)
$109,995Total assets
$4,219Cash and due from depository institutions
$0Interest-bearing balances
$31,530Securities
$1,424Federal funds sold & reverse repurchase agreements
$57,561Net loans & leases
$1,088Loan loss allowance
$0Trading account assets
$4,201Bank premises and fixed assets
$533Other real estate owned
$8,306Goodwill and other intangibles
$0Life insurance assets
$2,221All other assets
$109,995Total liabilities and capital
$92,589Total liabilities
$90,993Total deposits
$66,963Interest-bearing deposits
$90,993Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$1,596All other liabilities
$17,406Total equity capital
$17,406Total bank equity capital
$17,406Perpetual preferred stock
$0Common stock
$1,250Surplus
$15,839Undivided profits
Memoranda
$317Noncurrent loans and leases
$9,487Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$278Earning assets
$0Long-term assets (5+ years)
$558Average Assets, year-to-date
$90,515Average Assets, quarterly
$26,655Volatile liabilities
$109,911Insider loans
$107,641FHLB advances
$9,151Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$143Total risk weighted assets
$9,487Total unused commitments
$0Restructured Loans and leases
$832Derivatives
Income and Expense (December 31, 2003)
Dollar figures in thousands
$1,113Total interest income
$204Total interest expense
$909Net interest income
$5Provision for loan and lease losses
$309Total noninterest income
$0Fiduciary activities
$194Service charges on deposit accounts
$0Trading account gains & fees
$115Additional noninterest income
$862Total noninterest expense
$396Salaries and employee benefits
$121Premises and equipment expense
$345Additional noninterest expense
$351Pre-tax net operating income
$0Securities gains (losses)
$149Applicable income taxes
$202Income before extraordinary items
$0Extraordinary gains - net
$202Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$33Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2003)
Dollar figures in thousands
Performance Ratios (%, annualized)
1.15%Yield on earning assets
0.21%Cost of funding earning assets
0.94%Net interest margin
0.32%Noninterest income to earning assets
0.89%Noninterest expense to earning assets
0.18%Net operating income to assets
0.18%Return on assets (ROA)
0.32%Pretax return on assets
1.80%Return on equity (ROE)
1.80%Retained earnings to average equity (YTD only)
0.05%Net charge-offs to loans
15.15%Credit loss provision to net charge-offs
10.79%Efficiency ratio
66,502Assets per employee
2.50%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.86%Loss allowance to noncurrent loans
391.37%Noncurrent assets plus other real estate owned to assets
0.74%Noncurrent loans to loans
0.47%Net loans and leases to deposits
63.26%Net loans and leases to core deposits
70.33%Equity capital to assets
15.82%Core capital (leverage) ratio
9.62%Tier 1 risk-based capital ratio
13.55%Total risk-based capital ratio
Memoranda
$15Average assets
$109,911Average earning assets
$11,201Average equity
$97,193Average loans
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