FDIC Certificate #: 23558 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First Commercial Bank (#34377) Federal Reserve ID: 690858 Date Established: September 16, 1981 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 3 (Interstate: No) OTS Docket #: 9001 FDIC's unique #: 16497 Numeric code: 21 Regulator: FDIC 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: September 16, 1981 Last Structure Change Effective Date: October 18, 2001 Last Structure Change Process Date: January 16, 2002 Last Data Update: January 16, 2002 Data Source Date: April 05, 2012
Location
Address: 7308 Northwest Expressway, Oklahoma City, OK 73132 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: $53.0 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2000)
Dollar figures in thousands
28Total employees (full-time equivalent)
$44,605Total assets
$2,604Cash and due from depository institutions
$1,148Interest-bearing balances
$8,110Securities
$700Federal funds sold & reverse repurchase agreements
$29,649Net loans & leases
$240Loan loss allowance
$0Trading account assets
$1,471Bank premises and fixed assets
$0Other real estate owned
$190Goodwill and other intangibles
$0Life insurance assets
$1,881All other assets
$44,605Total liabilities and capital
$39,917Total liabilities
$38,199Total deposits
$28,675Interest-bearing deposits
$38,199Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$850Other borrowed funds
$0Subordinated debt
$868All other liabilities
$4,688Total equity capital
$4,688Total bank equity capital
$4,688Perpetual preferred stock
$0Common stock
$1,016Surplus
$1,279Undivided profits
Memoranda
$2,393Noncurrent loans and leases
$943Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$225Earning assets
$225Long-term assets (5+ years)
$414Average Assets, year-to-date
$39,607Average Assets, quarterly
$18,691Volatile liabilities
$44,738Insider loans
$44,444FHLB advances
$1,478Loans and leases held for sale
$6Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$943Total unused commitments
$0Restructured Loans and leases
$240Derivatives
Income and Expense (December 31, 2000)
Dollar figures in thousands
$3,539Total interest income
$1,430Total interest expense
$2,109Net interest income
$3Provision for loan and lease losses
$628Total noninterest income
$0Fiduciary activities
$296Service charges on deposit accounts
$0Trading account gains & fees
$332Additional noninterest income
$2,263Total noninterest expense
$1,136Salaries and employee benefits
$380Premises and equipment expense
$747Additional noninterest expense
$471Pre-tax net operating income
$13Securities gains (losses)
$67Applicable income taxes
$417Income before extraordinary items
$0Extraordinary gains - net
$417Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$44Sale, conversion, retirement of capital stock, net
$374Net operating income
Performance and Condition Ratios (December 31, 2000)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.90%Yield on earning assets
3.60%Cost of funding earning assets
5.30%Net interest margin
1.58%Noninterest income to earning assets
5.69%Noninterest expense to earning assets
0.91%Net operating income to assets
0.93%Return on assets (ROA)
1.08%Pretax return on assets
9.18%Return on equity (ROE)
0.95%Retained earnings to average equity (YTD only)
0.16%Net charge-offs to loans
6.82%Credit loss provision to net charge-offs
10.77%Efficiency ratio
81,732Assets per employee
1.59%Cash dividends to net income (YTD only)
Condition Ratios (%)
89.69%Loss allowance to loans
0.80%Loss allowance to noncurrent loans
106.67%Noncurrent assets plus other real estate owned to assets
0.50%Noncurrent loans to loans
0.75%Net loans and leases to deposits
77.62%Net loans and leases to core deposits
80.74%Equity capital to assets
10.51%Core capital (leverage) ratio
10.15%Tier 1 risk-based capital ratio
13.14%Total risk-based capital ratio
Memoranda
$14Average assets
$44,738Average earning assets
$4,542Average equity
$39,763Average loans
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