FDIC Certificate #: 34996 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First Fidelity Bank, National Association (#23473) Federal Reserve ID: 2700322 Date Established: September 17, 1999 WWW:http://www.edmondbank.com Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 2 (Interstate: No) FDIC's unique #: 73818 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: September 17, 1999 Last Structure Change Effective Date: November 17, 2006 Last Structure Change Process Date: January 18, 2007 Last Data Update: January 18, 2007 Data Source Date: April 05, 2012
Location
Address: 2600 South Broadway, Edmond, OK 73013 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: $92.4 mil
2000 - 2011 Historical total assets, liabilities and capital ($ 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
25Total employees (full-time equivalent)
$77,819Total assets
$1,940Cash and due from depository institutions
$0Interest-bearing balances
$1,983Securities
$20Federal funds sold & reverse repurchase agreements
$71,451Net loans & leases
$877Loan loss allowance
$0Trading account assets
$1,026Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,399All other assets
$77,819Total liabilities and capital
$68,459Total liabilities
$66,382Total deposits
$56,804Interest-bearing deposits
$66,382Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$1,935Other borrowed funds
$0Subordinated debt
$142All other liabilities
$9,360Total equity capital
$9,360Total bank equity capital
$9,360Perpetual preferred stock
$0Common stock
$2,000Surplus
$5,440Undivided profits
Memoranda
$1,920Noncurrent loans and leases
$25,210Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1,288Earning assets
$751Long-term assets (5+ years)
$537Average Assets, year-to-date
$73,454Average Assets, quarterly
$845Volatile liabilities
$74,097Insider loans
$76,597FHLB advances
$19,367Loans and leases held for sale
$882Unused loan commitments
$575Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$25,210Total unused commitments
$0Restructured Loans and leases
$877Derivatives
Income and Expense (December 31, 2005)
Dollar figures in thousands
$4,977Total interest income
$1,642Total interest expense
$3,335Net interest income
$211Provision for loan and lease losses
$612Total noninterest income
$0Fiduciary activities
$76Service charges on deposit accounts
$0Trading account gains & fees
$536Additional noninterest income
$2,547Total noninterest expense
$1,519Salaries and employee benefits
$316Premises and equipment expense
$712Additional noninterest expense
$1,189Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$1,189Income before extraordinary items
$0Extraordinary gains - net
$1,189Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$107Sale, conversion, retirement of capital stock, net
$671Net operating income
Performance and Condition Ratios (December 31, 2005)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.23%Yield on earning assets
2.39%Cost of funding earning assets
4.85%Net interest margin
0.89%Noninterest income to earning assets
3.70%Noninterest expense to earning assets
1.60%Net operating income to assets
1.60%Return on assets (ROA)
1.60%Pretax return on assets
15.40%Return on equity (ROE)
6.71%Retained earnings to average equity (YTD only)
0.16%Net charge-offs to loans
197.20%Credit loss provision to net charge-offs
13.08%Efficiency ratio
64,530Assets per employee
3.11%Cash dividends to net income (YTD only)
Condition Ratios (%)
56.43%Loss allowance to loans
1.21%Loss allowance to noncurrent loans
68.09%Noncurrent assets plus other real estate owned to assets
1.66%Noncurrent loans to loans
1.78%Net loans and leases to deposits
107.64%Net loans and leases to core deposits
147.70%Equity capital to assets
12.03%Core capital (leverage) ratio
12.13%Tier 1 risk-based capital ratio
11.74%Total risk-based capital ratio
Memoranda
$13Average assets
$74,097Average earning assets
$7,719Average equity
$68,792Average loans
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