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

American Heritage Bank - Overview

  • General
  • FDIC Certificate #: 4190
    Status: Active
    Federal Reserve ID: 311050
    Bank Holding Company (Regulatory Top Holder): American Bancorporation, Inc. (RSSDID: 1052220, Location: Sapulpa, OK)
    Date Established: June 15, 1905
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 16 (Domestic: 16, Interstate: No)
    FDIC's unique #: 2743
    Numeric code: 13
    Regulator: FED
    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: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    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: 2 South Main Street, Sapulpa, OK 74066
    County: Creek
    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: $752.5 mil
    Equity capital: $81.7 mil
    Deposits held in domestic offices: $575.8 mil
    Return on assets (ROA): 1.29% ($9.7 mil)
    Quarterly return on assets: 1.07% ($8.1 mil)
    Return on Equity (ROE): 11.78% ($9.7 mil)
    Quarterly return on equity: 9.58% ($7.9 mil)
    Net income: $9.4 mil
    Quarterly Net income: $2.0 mil
    Pretax return on assets: 1.29% ($9,707.9 mil)
    Quarterly Pretax return on assets: 1.07% ($8,052.3 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
  • 237Total employees (full-time equivalent)
  • $752,549Total assets
  • $53,520Cash and due from depository institutions
  • $38,808Interest-bearing balances
  • $362,627Securities
  • $2,198Federal funds sold & reverse repurchase agreements
  • $310,802Net loans & leases
  • $5,142Loan loss allowance
  • $0Trading account assets
  • $13,205Bank premises and fixed assets
  • $492Other real estate owned
  • $1,476Goodwill and other intangibles
  • $752,549Life insurance assets
  • $8,229All other assets
  • $670,801Total liabilities and capital
  • $575,817Total liabilities
  • $462,630Total deposits
  • $575,817Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 87481.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,500Trading liabilities
  • $0Other borrowed funds
  • $3,003Subordinated debt
  • $81,748All other liabilities
  • $81,748Total equity capital
  • $81,748Total bank equity capital
  • $0Perpetual preferred stock
  • $2,000Common stock
  • $6,041Surplus
  • $73,707Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,645Income earned, not collected on loans
  • $0Earning assets
  • $3,776Long-term assets (5+ years)
  • $714,435Average Assets, year-to-date
  • $306,093Average Assets, quarterly
  • $725,634Volatile liabilities
  • $738,495Insider loans
  • $335,548FHLB advances
  • $726,109Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $76,591Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $34,076Restructured Loans and leases
  • $1,102Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $29,455Total interest income
  • $5,810Total interest expense
  • $23,645Net interest income
  • $1,650Provision for loan and lease losses
  • $5,841Total noninterest income
  • $190Fiduciary activities
  • $3,866Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,785Additional noninterest income
  • $18,482Total noninterest expense
  • $11,463Salaries and employee benefits
  • $3,197Premises and equipment expense
  • $3,822Additional noninterest expense
  • $9,354Pre-tax net operating income
  • $7Securities gains (losses)
  • $0Applicable income taxes
  • $9,361Income before extraordinary items
  • $0Extraordinary gains - net
  • $9,361Net income attributable to bank
  • $0Net charge-offs
  • $9,361Cash dividends
  • $1,895Sale, conversion, retirement of capital stock, net
  • $4,147Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.26%Yield on earning assets
  • 0.84%Cost of funding earning assets
  • 3.42%Net interest margin
  • 0.84%Noninterest income to earning assets
  • 2.67%Noninterest expense to earning assets
  • 1.29%Net operating income to assets
  • 1.29%Return on assets (ROA)
  • 1.29%Pretax return on assets
  • 11.78%Return on equity (ROE)
  • 6.56%Retained earnings to average equity (YTD only)
  • 0.59%Net charge-offs to loans
  • 87.07%Credit loss provision to net charge-offs
  • 5.81%Efficiency ratio
  • 62,304Assets per employee
  • 3.18%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 44.30%Loss allowance to loans
  • 1.63%Loss allowance to noncurrent loans
  • 194.40%Noncurrent assets plus other real estate owned to assets
  • 0.42%Noncurrent loans to loans
  • 0.84%Net loans and leases to deposits
  • 53.98%Net loans and leases to core deposits
  • 58.92%Equity capital to assets
  • 10.86%Core capital (leverage) ratio
  • 10.55%Tier 1 risk-based capital ratio
  • 22.83%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $725,634Average earning assets
  • $79,489Average equity
  • $691,884Average 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
  • $73,881Managed Assets
  • 1Number of Accounts
  • $73,781Personal trust and agency accounts
  • $63,945Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $8,412Other retirement accounts
  • $0Corporate trust and agency accounts
  • $1,424Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 72Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $100Other retirement accounts
  • $100Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 16 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02743American Heritage Bank2 South Main Street, Sapulpa, OK 74066June 15, 1905Full Service Brick and Mortar
    1202364Kellyville Branch113 W Allen, Kellyville, OK 74039June 23, 1986Full Service Brick and Mortar
    51540Beggs Branch301 North Choctaw, Beggs, OK 74421November 06, 1931Full Service Brick and Mortar
    6192489Mounds Branch1303 Commercial Street, Mounds, OK 74047Febuary 01, 1991Full Service Brick and Mortar
    717327South Sand Springs Branch3801 South 113th West Avenue, Sand Springs, OK 74063March 07, 1984Full Service Brick and Mortar
    8202366Sapulpa Motor Branch2 South Main Street, Sapulpa, OK 74066May 07, 1966Limited Service Facility
    9202367Mission Street Branch620 South Mission Street, Sapulpa, OK 74066March 01, 1984Limited Service Facility
    10202368Berryhill Branch6136 West 41st Street, Tulsa, OK 74107Febuary 10, 1997Full Service Brick and Mortar
    12202370Wal-Mart Branch1002 West Taft, Sapulpa, OK 74066Febuary 01, 1999Full Service Retail
    137364Mannford Branch408 E. Cimarron, Mannford, OK 74044September 05, 1905Full Service Brick and Mortar
    142777Yale Branch202 North Main Street, Yale, OK 74085January 01, 1909Full Service Brick and Mortar
    172639Cleveland Branch105 West Caddo Street, Cleveland, OK 74020March 20, 1895Full Service Brick and Mortar
    18450831Kiefer Branch502 East Indiana Avenue, Kiefer, OK 74041April 24, 2006Full Service Brick and Mortar
    194651987042 South Union Avenue Branch7042 South Union Avenue, Tulsa, OK 74132July 09, 2007Full Service Brick and Mortar
    20466792Adams Road Branch220 S. Adams Road, Sand Springs, OK 74063August 06, 2007Full Service Brick and Mortar
    21488123Glenpool Branch12120 South Vancouver Avenue, Glenpool, OK 74033Febuary 23, 2009Full Service Brick and Mortar

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