American Heritage Bank in Sapulpa, Oklahoma (OK)



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American Heritage Bank
GeneralFDIC 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
WWW: http://www.ahb-ok.com
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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)237
Total assets$752,549
Cash and due from depository institutions$53,520
Interest-bearing balances$38,808
Securities$362,627
Federal funds sold & reverse repurchase agreements$2,198
Net loans & leases$310,802
Loan loss allowance $5,142
Trading account assets$0
Bank premises and fixed assets$13,205
Other real estate owned$492
Goodwill and other intangibles$1,476
All other assets$8,229
Life insurance assets$752,549
Total liabilities and capital$670,801
Total liabilities$575,817
Total deposits$462,630
Interest-bearing deposits$575,817
Deposits held in domestic offices$84
% insured (estimated)87481.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$4,500
Other borrowed funds $0
Subordinated debt $3,003
All other liabilities $81,748
Total equity capital$81,748
Total bank equity capital$81,748
Perpetual preferred stock$0
Common stock$2,000
Surplus$6,041
Undivided profits $73,707
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $2,645
Earning assets $0
Long-term assets (5+ years) $3,776
Average Assets, year-to-date $714,435
Average Assets, quarterly $306,093
Volatile liabilities $725,634
Insider loans $738,495
FHLB advances $335,548
Loans and leases held for sale $726,109
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $76,591
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $34,076
Derivatives$1,102
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $29,455
Total interest expense $5,810
Net interest income $23,645
Provision for loan and lease losses $1,650
Total noninterest income $5,841
Fiduciary activities $190
Service charges on deposit accounts $3,866
Trading account gains & fees $0
Additional noninterest income $1,785
Total noninterest expense $18,482
Salaries and employee benefits $11,463
Premises and equipment expense $3,197
Additional noninterest expense $3,822
Pre-tax net operating income $9,354
Securities gains (losses) $7
Applicable income taxes $0
Income before extraordinary items $9,361
Extraordinary gains - net $0
Net income attributable to bank $9,361
Net charge-offs $0
Cash dividends $9,361
Sale, conversion, retirement of capital stock, net $1,895
Net operating income $4,147
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.26%
Cost of funding earning assets 0.84%
Net interest margin 3.42%
Noninterest income to earning assets 0.84%
Noninterest expense to earning assets 2.67%
Net operating income to assets 1.29%
Return on assets (ROA) 1.29%
Pretax return on assets 1.29%
Return on equity (ROE) 11.78%
Retained earnings to average equity (YTD only) 6.56%
Net charge-offs to loans 0.59%
Credit loss provision to net charge-offs 87.07%
Efficiency ratio5.81%
Assets per employee$62,304
Cash dividends to net income (YTD only)3.18%
Condition Ratios (%)
Loss allowance to loans 44.30%
Loss allowance to noncurrent loans 1.63%
Noncurrent assets plus other real estate owned to assets 194.40%
Noncurrent loans to loans 0.42%
Net loans and leases to deposits0.84%
Net loans and leases to core deposits 53.98%
Equity capital to assets 58.92%
Core capital (leverage) ratio 10.86%
Tier 1 risk-based capital ratio 10.55%
Total risk-based capital ratio 22.83%
Memoranda
Average assets$24
Average earning assets$725,634
Average equity $79,489
Average loans $691,884
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$73,881
Number of Accounts1
Personal trust and agency accounts$73,781
Employee benefit-defined contribution accounts$63,945
Employee benefit-defined benefit accounts$0
Other retirement accounts$8,412
Corporate trust and agency accounts$0
Investment management agency accounts$1,424
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts72
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$100
Corporate trust and agency accounts$100
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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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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