American Heritage Bank in El Reno, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 11, 2000

  • American Heritage Bank in El Reno, Oklahoma (OK)
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American Heritage Bank - Overview

  • General
  • FDIC Certificate #: 23348
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Gold BANK (#413)
    Federal Reserve ID: 955258
    Date Established: March 16, 1981
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Interstate: No)
    OTS Docket #: 15474
    FDIC's unique #: 16366
    Numeric code: 13
    Regulator: FED
    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: March 16, 1981
    Last Structure Change Effective Date: November 11, 2000
    Last Structure Change Process Date: December 01, 2000
    Last Data Update: December 01, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 2409 Country Club Road, El Reno, OK 73036
    County: Canadian
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Kansas City
    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: $73.5 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, 1999)

  • Dollar figures in thousands
  • 32Total employees (full-time equivalent)
  • $90,018Total assets
  • $2,918Cash and due from depository institutions
  • $0Interest-bearing balances
  • $8,772Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $73,047Net loans & leases
  • $1,168Loan loss allowance
  • $0Trading account assets
  • $1,353Bank premises and fixed assets
  • $0Other real estate owned
  • $821Goodwill and other intangibles
  • $0Life insurance assets
  • $3,107All other assets
  • $90,018Total liabilities and capital
  • $80,821Total liabilities
  • $68,167Total deposits
  • $56,065Interest-bearing deposits
  • $68,167Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $601Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $11,366Other borrowed funds
  • $0Subordinated debt
  • $687All other liabilities
  • $9,197Total equity capital
  • $9,197Total bank equity capital
  • $9,197Perpetual preferred stock
  • $0Common stock
  • $620Surplus
  • $1,380Undivided profits
  • Memoranda
  • $7,197Noncurrent loans and leases
  • $12,212Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $118Earning assets
  • $0Long-term assets (5+ years)
  • $1,263Average Assets, year-to-date
  • $81,819Average Assets, quarterly
  • $6,253Volatile liabilities
  • $86,267Insider loans
  • $85,363FHLB advances
  • $18,229Loans and leases held for sale
  • $470Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $12,212Total unused commitments
  • $0Restructured Loans and leases
  • $975Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $6,971Total interest income
  • $2,831Total interest expense
  • $4,140Net interest income
  • $1,430Provision for loan and lease losses
  • $965Total noninterest income
  • $0Fiduciary activities
  • $599Service charges on deposit accounts
  • $0Trading account gains & fees
  • $366Additional noninterest income
  • $2,703Total noninterest expense
  • $1,540Salaries and employee benefits
  • $413Premises and equipment expense
  • $750Additional noninterest expense
  • $972Pre-tax net operating income
  • $11Securities gains (losses)
  • $147Applicable income taxes
  • $836Income before extraordinary items
  • $0Extraordinary gains - net
  • $836Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $797Sale, conversion, retirement of capital stock, net
  • $99Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.91%Yield on earning assets
  • 3.62%Cost of funding earning assets
  • 5.29%Net interest margin
  • 1.23%Noninterest income to earning assets
  • 3.45%Noninterest expense to earning assets
  • 0.96%Net operating income to assets
  • 0.97%Return on assets (ROA)
  • 1.14%Pretax return on assets
  • 9.21%Return on equity (ROE)
  • 8.12%Retained earnings to average equity (YTD only)
  • 1.15%Net charge-offs to loans
  • 179.42%Credit loss provision to net charge-offs
  • 3.01%Efficiency ratio
  • 51,263Assets per employee
  • 2.81%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 11.84%Loss allowance to loans
  • 1.57%Loss allowance to noncurrent loans
  • 989.83%Noncurrent assets plus other real estate owned to assets
  • 0.13%Noncurrent loans to loans
  • 0.16%Net loans and leases to deposits
  • 107.16%Net loans and leases to core deposits
  • 118.00%Equity capital to assets
  • 10.22%Core capital (leverage) ratio
  • 9.99%Tier 1 risk-based capital ratio
  • 10.89%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $86,267Average earning assets
  • $9,082Average equity
  • $78,269Average loans

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