FDIC Certificate #: 4057 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:BancFirst (#27476) Federal Reserve ID: 941952 Date Established: January 01, 1891 Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 2 (Interstate: No) OTS Docket #: 9154 FDIC's unique #: 2632 Numeric code: 13 Regulator: FED Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: November 11, 2010 Last Structure Change Process Date: November 18, 2010 Last Data Update: November 18, 2010 Data Source Date: April 05, 2012
Location
Address: 1001 Manvel Avenue, Chandler, OK 74834 County: Lincoln 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 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: $132.1 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2009)
Dollar figures in thousands
36Total employees (full-time equivalent)
$130,349Total assets
$5,871Cash and due from depository institutions
$3,045Interest-bearing balances
$32,130Securities
$4,285Federal funds sold & reverse repurchase agreements
$84,061Net loans & leases
$1,333Loan loss allowance
$0Trading account assets
$1,853Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$2,149All other assets
$130,349Total liabilities and capital
$117,383Total liabilities
$116,751Total deposits
$103,360Interest-bearing deposits
$116,751Deposits held in domestic offices
76.06%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$206Other borrowed funds
$0Subordinated debt
$426All other liabilities
$12,966Total equity capital
$12,966Total bank equity capital
$12,966Perpetual preferred stock
$0Common stock
$200Surplus
$2,600Undivided profits
Memoranda
$10,166Noncurrent loans and leases
$19,633Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$68Earning assets
$0Long-term assets (5+ years)
$709Average Assets, year-to-date
$123,521Average Assets, quarterly
$32,299Volatile liabilities
$126,212Insider loans
$128,017FHLB advances
$23,004Loans and leases held for sale
$584Unused loan commitments
$69Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$19,633Total unused commitments
$0Restructured Loans and leases
$1,128Derivatives
Income and Expense (December 31, 2009)
Dollar figures in thousands
$6,791Total interest income
$1,483Total interest expense
$5,308Net interest income
$400Provision for loan and lease losses
$394Total noninterest income
$0Fiduciary activities
$209Service charges on deposit accounts
$0Trading account gains & fees
$185Additional noninterest income
$3,312Total noninterest expense
$1,930Salaries and employee benefits
$445Premises and equipment expense
$937Additional noninterest expense
$1,990Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$1,990Income before extraordinary items
$0Extraordinary gains - net
$1,990Net income attributable to bank
$0Net charge-offs
$1,990Cash dividends
$66Sale, conversion, retirement of capital stock, net
$1,099Net operating income
Performance and Condition Ratios (December 31, 2009)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.74%Yield on earning assets
1.25%Cost of funding earning assets
4.49%Net interest margin
0.33%Noninterest income to earning assets
2.80%Noninterest expense to earning assets
1.58%Net operating income to assets
1.58%Return on assets (ROA)
1.58%Pretax return on assets
15.97%Return on equity (ROE)
7.15%Retained earnings to average equity (YTD only)
0.08%Net charge-offs to loans
606.06%Credit loss provision to net charge-offs
36.21%Efficiency ratio
58,085Assets per employee
3.62%Cash dividends to net income (YTD only)
Condition Ratios (%)
55.23%Loss allowance to loans
1.56%Loss allowance to noncurrent loans
1960.29%Noncurrent assets plus other real estate owned to assets
0.05%Noncurrent loans to loans
0.08%Net loans and leases to deposits
72.00%Net loans and leases to core deposits
89.47%Equity capital to assets
9.95%Core capital (leverage) ratio
9.73%Tier 1 risk-based capital ratio
13.82%Total risk-based capital ratio
Memoranda
$15Average assets
$126,212Average earning assets
$12,457Average equity
$118,287Average loans
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