FDIC Certificate #: 34178 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:RCB Bank (#15399) Federal Reserve ID: 2396583 Date Established: May 22, 1996 WWW:http://www.bonh.com 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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