SpiritBank in city_name, state_name - Detailed Financial Reports, Location

SpiritBank in Tulsa, Oklahoma (OK)
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SpiritBank routing number info

SpiritBank - Overview

General
FDIC Certificate #: 4048
Status: Active
Federal Reserve ID: 142955
Bank Holding Company (Regulatory Top Holder): Spirit Bankcorp, Inc. (RSSDID: 1062135, Location: Bristow, OK)
Date Established: May 05, 1916
WWW: http://www.spiritbank.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 14 (Domestic: 14, Interstate: No)
OTS Docket #: 11433
FDIC's unique #: 2624
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: January 01, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 4815 South Harvard, Suite 100, Tulsa, OK 74135
County: Tulsa
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Tulsa
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Metropolitan Statistical Area (MSA): Tulsa, OK (#8560)
Combined Statistical Area (CSA): Tulsa-Bartlesville, OK (#538)
Core Based Statistical Area (CBSA): Tulsa, OK (#46140)
CBSA Metro Statistical Area: Tulsa, OK (#46140)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $1,250.6 mil
Equity capital: $110.5 mil
Deposits held in domestic offices: $1,015.5 mil
Return on assets (ROA): -0.50% (-$6.3 mil)
Quarterly return on assets: -1.17% (-$14.6 mil)
Return on Equity (ROE): -5.60% (-$6.2 mil)
Quarterly return on equity: -13.07% (-$14.5 mil)
Net income: -$6.5 mil
Quarterly Net income: -$3.7 mil
Pretax return on assets: -0.69% (-$8,629.0 mil)
Quarterly Pretax return on assets: -1.27% (-$15,882.4 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, 2011)

Dollar figures in thousands
452Total employees (full-time equivalent)
$1,250,584Total assets
$17,721Cash and due from depository institutions
$36Interest-bearing balances
$47,956Securities
$25,856Federal funds sold & reverse repurchase agreements
$1,035,998Net loans & leases
$26,148Loan loss allowance
$0Trading account assets
$24,114Bank premises and fixed assets
$30,384Other real estate owned
$3,225Goodwill and other intangibles
$1,250,584Life insurance assets
$65,330All other assets
$1,139,665Total liabilities and capital
$1,015,487Total liabilities
$787,096Total deposits
$1,015,487Interest-bearing deposits
$79Deposits held in domestic offices
25426.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$80,865Trading liabilities
$5,750Other borrowed funds
$12,137Subordinated debt
$110,919All other liabilities
$110,549Total equity capital
$110,549Total bank equity capital
$0Perpetual preferred stock
$1,271Common stock
$64,191Surplus
$45,087Undivided profits
Memoranda
$370Noncurrent loans and leases
$320,671Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$49,765Income earned, not collected on loans
$477Earning assets
$5,127Long-term assets (5+ years)
$1,109,846Average Assets, year-to-date
$116,466Average Assets, quarterly
$1,289,703Volatile liabilities
$1,260,306Insider loans
$921,378FHLB advances
$1,267,818Loans and leases held for sale
$4,627Unused loan commitments
$4,627Tier 1 (core) risk-based capital
$103,636Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$73,131Restructured Loans and leases
$17,322Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$65,449Total interest income
$12,658Total interest expense
$52,791Net interest income
$19,850Provision for loan and lease losses
$23,609Total noninterest income
$142Fiduciary activities
$3,194Service charges on deposit accounts
$0Trading account gains & fees
$20,273Additional noninterest income
$65,631Total noninterest expense
$34,792Salaries and employee benefits
$7,187Premises and equipment expense
$23,652Additional noninterest expense
-$9,081Pre-tax net operating income
$135Securities gains (losses)
-$2,482Applicable income taxes
-$6,464Income before extraordinary items
$0Extraordinary gains - net
-$6,458Net income attributable to bank
-$6Net charge-offs
-$6,464Cash dividends
$15,198Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.72%Yield on earning assets
1.11%Cost of funding earning assets
4.61%Net interest margin
2.06%Noninterest income to earning assets
5.74%Noninterest expense to earning assets
-0.51%Net operating income to assets
-0.50%Return on assets (ROA)
-0.69%Pretax return on assets
-5.60%Return on equity (ROE)
-5.60%Retained earnings to average equity (YTD only)
1.43%Net charge-offs to loans
130.61%Credit loss provision to net charge-offs
0.71%Efficiency ratio
85,904Assets per employee
2.77%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.46%Loss allowance to noncurrent loans
52.54%Noncurrent assets plus other real estate owned to assets
6.41%Noncurrent loans to loans
4.69%Net loans and leases to deposits
102.02%Net loans and leases to core deposits
147.79%Equity capital to assets
8.84%Core capital (leverage) ratio
8.17%Tier 1 risk-based capital ratio
11.25%Total risk-based capital ratio
Memoranda
$13Average assets
$1,289,703Average earning assets
$115,250Average equity
$1,144,031Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$32,258Managed Assets
1Number of Accounts
$32,257Personal trust and agency accounts
$24,225Employee benefit-defined contribution accounts
$487Employee benefit-defined benefit accounts
$0Other retirement accounts
$279Corporate trust and agency accounts
$7,266Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
69Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$1Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$1Fiduciary accounts held in foreign offices

List of branches

14 Oklahoma Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	2624	Spiritbank	4815 South Harvard, Suite 100, Tulsa, OK 74135	May 05, 1916	Full Service Brick and Mortar
1	328	Drumright Branch	121 West Broadway, Drumright, OK 74030	August 01, 1932	Full Service Brick and Mortar
2	13116	Oilton Branch	105 West Main Street, Oilton, OK 74052	December 07, 1964	Full Service Brick and Mortar
3	2648	Cushing Branch	300 North Harrison, Cushing, OK 74023	January 01, 1897	Full Service Brick and Mortar
4	17084	Sapulpa Branch	1315 East Taft, Sapulpa, OK 74066	June 01, 1983	Full Service Brick and Mortar
8	202245	South Memorial Branch	9618 South Memorial, Tulsa, OK 74133	June 03, 1996	Full Service Brick and Mortar
9	202246	Salpulpa Drive-In Branch	400 North Mission, Sapulpa, OK 74066	Febuary 18, 1998	Limited Service Facility
10	202247	Bristow Branch	106 N Main, Bristow, OK 74010	May 05, 1996	Full Service Brick and Mortar
11	274168	Stroud Branch	723 West Fourth Street, Stroud, OK 74079	June 30, 1988	Full Service Brick and Mortar
12	202248	Okla City May Ave Branch	11217 N May Ave, Oklahoma City, OK 73120	September 16, 1999	Full Service Brick and Mortar
14	364767	Stillwater Branch-Perkins Road	417 South Perkins Road, Stillwater, OK 74074	June 30, 2000	Full Service Brick and Mortar
15	428671	71st Street Branch	3800 West 71st Street South, Tulsa, OK 74132	May 10, 2004	Full Service Brick and Mortar
16	428672	South Baltimore Branch	1800 S. Baltimore, Tulsa, OK 74119	May 10, 2004	Full Service Brick and Mortar
20	492896	Edmond Branch	3823 S. Boulevard St, Edmond, OK 73013	March 17, 2008	Full Service Brick and Mortar

Linda Frasl

⚠

Jan 8, 2023 @ 5:17 pm

Why does Spirit bank only gives a $500 overdraft? My friend makes over $3000 each month. I would think he would at least get a $600 overdraft? As far as this bank its a great bank. Great service and great workers!

SpiritBank in Tulsa, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

SpiritBank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

SpiritBank in Tulsa, Oklahoma (OK)Overview, Financial Summary, Detailed Financial Reports, Branches

SpiritBank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

SpiritBank in Tulsa, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches