FDIC Certificate #: 31826 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:BancFirst (#27476) Federal Reserve ID: 589671 Bank Holding Company (Regulatory Top Holder): Bancfirst Corporation (RSSDID: 1133286, Location: Oklahoma City, OK) Date Established: October 12, 1976 WWW:http://www.1stbankok.com Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 6 (Domestic: 6, Interstate: No) OTS Docket #: 7509 FDIC's unique #: 44660 Numeric code: 33 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: October 12, 1976 Last Structure Change Effective Date: Febuary 17, 2012 Last Structure Change Process Date: Febuary 24, 2012 Last Data Update: Febuary 24, 2012 Data Source Date: April 05, 2012
Location
Address: 1698 S Lynn Riggs Blvd, Claremore, OK 74017 County: Rogers 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)
Financial Summary
Total assets: $189.1 mil Equity capital: $19.3 mil Deposits held in domestic offices: $158.0 mil Return on assets (ROA): 0.36% ($0.7 mil) Quarterly return on assets: 0.83% ($1.6 mil) Return on Equity (ROE): 3.41% ($0.6 mil) Quarterly return on equity: 8.32% ($1.6 mil) Net income: $0.8 mil Quarterly Net income: $0.4 mil Pretax return on assets: 0.48% ($907.9 mil) Quarterly Pretax return on assets: 1.01% ($1,910.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
66Total employees (full-time equivalent)
$189,136Total assets
$30,873Cash and due from depository institutions
$28,493Interest-bearing balances
$35,529Securities
$0Federal funds sold & reverse repurchase agreements
$108,168Net loans & leases
$107Loan loss allowance
$0Trading account assets
$5,247Bank premises and fixed assets
$2,081Other real estate owned
$4,116Goodwill and other intangibles
$189,136Life insurance assets
$3,122All other assets
$169,874Total liabilities and capital
$158,020Total liabilities
$135,974Total deposits
$158,020Interest-bearing deposits
$90Deposits held in domestic offices
8274.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$3,000Trading liabilities
$0Other borrowed funds
$580Subordinated debt
$19,262All other liabilities
$19,262Total equity capital
$19,262Total bank equity capital
$0Perpetual preferred stock
$1Common stock
$18,249Surplus
$1,012Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,118Income earned, not collected on loans
$0Earning assets
$391Long-term assets (5+ years)
$172,190Average Assets, year-to-date
$16,985Average Assets, quarterly
$222,205Volatile liabilities
$190,303Insider loans
$111,125FHLB advances
$187,288Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$15,987Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$12,647Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,621Total interest income
$612Total interest expense
$3,009Net interest income
$130Provision for loan and lease losses
$1,464Total noninterest income
$0Fiduciary activities
$1,054Service charges on deposit accounts
$0Trading account gains & fees
$410Additional noninterest income
$3,335Total noninterest expense
$1,657Salaries and employee benefits
$425Premises and equipment expense
$1,253Additional noninterest expense
$1,008Pre-tax net operating income
$58Securities gains (losses)
$276Applicable income taxes
$790Income before extraordinary items
$0Extraordinary gains - net
$790Net income attributable to bank
$0Net charge-offs
$790Cash dividends
$23Sale, conversion, retirement of capital stock, net
$10,000Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
1.77%Yield on earning assets
0.30%Cost of funding earning assets
1.47%Net interest margin
0.72%Noninterest income to earning assets
1.63%Noninterest expense to earning assets
0.34%Net operating income to assets
0.36%Return on assets (ROA)
0.48%Pretax return on assets
3.41%Return on equity (ROE)
-39.71%Retained earnings to average equity (YTD only)
0.02%Net charge-offs to loans
565.22%Credit loss provision to net charge-offs
49.48%Efficiency ratio
70,981Assets per employee
2.87%Cash dividends to net income (YTD only)
Condition Ratios (%)
1265.82%Loss allowance to loans
0.10%Loss allowance to noncurrent loans
3.43%Noncurrent assets plus other real estate owned to assets
2.75%Noncurrent loans to loans
2.88%Net loans and leases to deposits
68.45%Net loans and leases to core deposits
73.48%Equity capital to assets
10.18%Core capital (leverage) ratio
8.54%Tier 1 risk-based capital ratio
14.39%Total risk-based capital ratio
Memoranda
$14Average assets
$222,205Average earning assets
$23,192Average equity
$204,156Average loans
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