Bank of Nichols Hills in Oklahoma City, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 01, 2006

  • Bank of Nichols Hills in Oklahoma City, Oklahoma (OK)
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Bank of Nichols Hills - Overview

  • General
  • FDIC Certificate #: 34178
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: RCB Bank (#15399)
    Federal Reserve ID: 2396583
    Date Established: May 22, 1996
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Interstate: No)
    FDIC's unique #: 56836
    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: May 22, 1996
    Last Structure Change Effective Date: December 01, 2006
    Last Structure Change Process Date: December 08, 2006
    Last Data Update: December 08, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 2644 Northwest 63rd Street, Oklahoma City, OK 73116
    County: Oklahoma
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    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: $136.2 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, 2005)

  • Dollar figures in thousands
  • 38Total employees (full-time equivalent)
  • $126,916Total assets
  • $6,332Cash and due from depository institutions
  • $2,708Interest-bearing balances
  • $7,213Securities
  • $17,470Federal funds sold & reverse repurchase agreements
  • $90,623Net loans & leases
  • $956Loan loss allowance
  • $0Trading account assets
  • $3,464Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,814All other assets
  • $126,916Total liabilities and capital
  • $116,759Total liabilities
  • $114,435Total deposits
  • $84,777Interest-bearing deposits
  • $114,435Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $1,000Other borrowed funds
  • $0Subordinated debt
  • $1,324All other liabilities
  • $10,157Total equity capital
  • $10,157Total bank equity capital
  • $10,157Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $2,649Undivided profits
  • Memoranda
  • $6,508Noncurrent loans and leases
  • $15,827Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,659Earning assets
  • $0Long-term assets (5+ years)
  • $740Average Assets, year-to-date
  • $118,014Average Assets, quarterly
  • $4,954Volatile liabilities
  • $110,793Insider loans
  • $123,140FHLB advances
  • $18,431Loans and leases held for sale
  • $3,688Unused loan commitments
  • $1,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $15,827Total unused commitments
  • $0Restructured Loans and leases
  • $956Derivatives

Income and Expense (December 31, 2005)

  • Dollar figures in thousands
  • $6,564Total interest income
  • $1,838Total interest expense
  • $4,726Net interest income
  • $65Provision for loan and lease losses
  • $607Total noninterest income
  • $0Fiduciary activities
  • $437Service charges on deposit accounts
  • $0Trading account gains & fees
  • $170Additional noninterest income
  • $3,256Total noninterest expense
  • $2,183Salaries and employee benefits
  • $401Premises and equipment expense
  • $672Additional noninterest expense
  • $2,012Pre-tax net operating income
  • $0Securities gains (losses)
  • $748Applicable income taxes
  • $1,264Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,264Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • -$32Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2005)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.40%Yield on earning assets
  • 1.79%Cost of funding earning assets
  • 4.60%Net interest margin
  • 0.59%Noninterest income to earning assets
  • 3.17%Noninterest expense to earning assets
  • 1.14%Net operating income to assets
  • 1.14%Return on assets (ROA)
  • 1.82%Pretax return on assets
  • 13.28%Return on equity (ROE)
  • 13.28%Retained earnings to average equity (YTD only)
  • -0.04%Net charge-offs to loans
  • -203.13%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 61,054Assets per employee
  • 3.34%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.04%Loss allowance to noncurrent loans
  • 57.63%Noncurrent assets plus other real estate owned to assets
  • 1.31%Noncurrent loans to loans
  • 1.81%Net loans and leases to deposits
  • 79.19%Net loans and leases to core deposits
  • 93.42%Equity capital to assets
  • 8.00%Core capital (leverage) ratio
  • 8.52%Tier 1 risk-based capital ratio
  • 10.22%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $110,793Average earning assets
  • $9,517Average equity
  • $102,631Average loans

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