First Bank of Chandler in Chandler, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Bank of Chandler - Overview

  • General
  • FDIC Certificate #: 4056
    Status: Active
    Federal Reserve ID: 151555
    Bank Holding Company (Regulatory Top Holder): First Chandler Corp. (RSSDID: 1057654, Location: Chandler, OK)
    Date Established: December 31, 1892
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 2631
    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: Commercial Lending Specialization
    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: 902 Manvel Street, Chandler, OK 74834
    County: Lincoln
    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
    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)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $78.3 mil
    Equity capital: $7.9 mil
    Deposits held in domestic offices: $70.4 mil
    Return on assets (ROA): 2.17% ($1.7 mil)
    Quarterly return on assets: 1.75% ($1.4 mil)
    Return on Equity (ROE): 21.46% ($1.7 mil)
    Quarterly return on equity: 17.31% ($1.4 mil)
    Net income: $1.6 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 2.17% ($1,699.2 mil)
    Quarterly Pretax return on assets: 1.75% ($1,370.4 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
  • 20Total employees (full-time equivalent)
  • $78,306Total assets
  • $2,099Cash and due from depository institutions
  • $0Interest-bearing balances
  • $635Securities
  • $5,372Federal funds sold & reverse repurchase agreements
  • $68,432Net loans & leases
  • $1,151Loan loss allowance
  • $0Trading account assets
  • $160Bank premises and fixed assets
  • $563Other real estate owned
  • $0Goodwill and other intangibles
  • $78,306Life insurance assets
  • $1,045All other assets
  • $70,433Total liabilities and capital
  • $70,383Total liabilities
  • $56,275Total deposits
  • $70,383Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $50Subordinated debt
  • $7,873All other liabilities
  • $7,873Total equity capital
  • $7,873Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $400Surplus
  • $7,273Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $143Income earned, not collected on loans
  • $0Earning assets
  • $680Long-term assets (5+ years)
  • $74,439Average Assets, year-to-date
  • $7,616Average Assets, quarterly
  • $75,965Volatile liabilities
  • $78,266Insider loans
  • $67,788FHLB advances
  • $78,399Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,867Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,862Restructured Loans and leases
  • $63Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,212Total interest income
  • $524Total interest expense
  • $3,688Net interest income
  • $345Provision for loan and lease losses
  • $298Total noninterest income
  • $0Fiduciary activities
  • $188Service charges on deposit accounts
  • $0Trading account gains & fees
  • $110Additional noninterest income
  • $1,991Total noninterest expense
  • $1,008Salaries and employee benefits
  • $236Premises and equipment expense
  • $747Additional noninterest expense
  • $1,650Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,650Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,650Net income attributable to bank
  • $0Net charge-offs
  • $1,650Cash dividends
  • $116Sale, conversion, retirement of capital stock, net
  • $1,200Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.79%Yield on earning assets
  • 0.72%Cost of funding earning assets
  • 5.07%Net interest margin
  • 0.41%Noninterest income to earning assets
  • 2.74%Noninterest expense to earning assets
  • 2.17%Net operating income to assets
  • 2.17%Return on assets (ROA)
  • 2.17%Pretax return on assets
  • 21.46%Return on equity (ROE)
  • 5.85%Retained earnings to average equity (YTD only)
  • 0.17%Net charge-offs to loans
  • 297.41%Credit loss provision to net charge-offs
  • 17.20%Efficiency ratio
  • 49,950Assets per employee
  • 3.92%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 72.73%Loss allowance to loans
  • 1.65%Loss allowance to noncurrent loans
  • 804.90%Noncurrent assets plus other real estate owned to assets
  • 0.90%Noncurrent loans to loans
  • 0.21%Net loans and leases to deposits
  • 97.23%Net loans and leases to core deposits
  • 98.91%Equity capital to assets
  • 10.05%Core capital (leverage) ratio
  • 10.03%Tier 1 risk-based capital ratio
  • 11.61%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $75,965Average earning assets
  • $7,689Average equity
  • $72,711Average loans

List of branches

  • 2 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02631First Bank Of Chandler902 Manvel Street, Chandler, OK 74834December 31, 1892Full Service Brick and Mortar
    1202255Drive-In-walk-up Branch823 Steele Avenue, Chandler, OK 74834June 03, 1968Limited Service Facility

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