First Commercial Bank in Edmond, Oklahoma (OK), CO
Overview, Financial Summary, Detailed Financial Reports, Branches

  • First Commercial Bank in Edmond, Oklahoma (OK), CO
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First Commercial Bank - Overview

  • General
  • FDIC Certificate #: 34377
    Status: Active
    Federal Reserve ID: 2396547
    Bank Holding Company (Regulatory Top Holder): First Commercial Bancshares, Inc. (RSSDID: 2374787, Location: Edmond, OK)
    Date Established: November 01, 1996
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 10 (Domestic: 10, Interstate: Yes)
    OTS Docket #: 14715
    FDIC's unique #: 57139
    Numeric code: 21
    Regulator: FDIC
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: November 01, 1996
    Last Structure Change Effective Date: June 25, 2010
    Last Structure Change Process Date: June 30, 2010
    Last Data Update: June 30, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 1601 South Kelly, 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)
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $294.5 mil
    Equity capital: $32.7 mil
    Deposits held in domestic offices: $250.0 mil
    Return on assets (ROA): 0.48% ($1.4 mil)
    Quarterly return on assets: 0.39% ($1.2 mil)
    Return on Equity (ROE): 4.42% ($1.5 mil)
    Quarterly return on equity: 3.58% ($1.2 mil)
    Net income: $1.4 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.70% ($2,061.8 mil)
    Quarterly Pretax return on assets: 0.57% ($1,678.9 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
  • 92Total employees (full-time equivalent)
  • $294,542Total assets
  • $10,285Cash and due from depository institutions
  • $2,355Interest-bearing balances
  • $45,822Securities
  • $13,030Federal funds sold & reverse repurchase agreements
  • $205,242Net loans & leases
  • $3,465Loan loss allowance
  • $0Trading account assets
  • $5,144Bank premises and fixed assets
  • $2,563Other real estate owned
  • $1,736Goodwill and other intangibles
  • $294,542Life insurance assets
  • $10,720All other assets
  • $261,883Total liabilities and capital
  • $249,989Total liabilities
  • $198,151Total deposits
  • $249,989Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 9249.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,645Subordinated debt
  • $32,659All other liabilities
  • $32,659Total equity capital
  • $32,659Total bank equity capital
  • $0Perpetual preferred stock
  • $2,505Common stock
  • $20,037Surplus
  • $10,117Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $9,011Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,158Income earned, not collected on loans
  • $82Earning assets
  • $892Long-term assets (5+ years)
  • $266,449Average Assets, year-to-date
  • $73,634Average Assets, quarterly
  • $295,740Volatile liabilities
  • $301,379Insider loans
  • $225,023FHLB advances
  • $301,821Loans and leases held for sale
  • $6,631Unused loan commitments
  • $6,631Tier 1 (core) risk-based capital
  • $29,024Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $30,971Restructured Loans and leases
  • $15,740Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,578Total interest income
  • $2,807Total interest expense
  • $10,771Net interest income
  • $688Provision for loan and lease losses
  • $2,811Total noninterest income
  • $0Fiduciary activities
  • $889Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,922Additional noninterest income
  • $10,843Total noninterest expense
  • $6,187Salaries and employee benefits
  • $1,500Premises and equipment expense
  • $3,156Additional noninterest expense
  • $2,051Pre-tax net operating income
  • $15Securities gains (losses)
  • $654Applicable income taxes
  • $1,412Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,412Net income attributable to bank
  • $0Net charge-offs
  • $1,412Cash dividends
  • $171Sale, conversion, retirement of capital stock, net
  • $300Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.04%Yield on earning assets
  • 1.04%Cost of funding earning assets
  • 4.00%Net interest margin
  • 1.04%Noninterest income to earning assets
  • 4.02%Noninterest expense to earning assets
  • 0.47%Net operating income to assets
  • 0.48%Return on assets (ROA)
  • 0.70%Pretax return on assets
  • 4.42%Return on equity (ROE)
  • 3.48%Retained earnings to average equity (YTD only)
  • 0.08%Net charge-offs to loans
  • 402.34%Credit loss provision to net charge-offs
  • 16.02%Efficiency ratio
  • 79,745Assets per employee
  • 3.20%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 21.25%Loss allowance to loans
  • 1.66%Loss allowance to noncurrent loans
  • 48.41%Noncurrent assets plus other real estate owned to assets
  • 3.30%Noncurrent loans to loans
  • 3.43%Net loans and leases to deposits
  • 82.10%Net loans and leases to core deposits
  • 90.33%Equity capital to assets
  • 11.09%Core capital (leverage) ratio
  • 9.62%Tier 1 risk-based capital ratio
  • 12.90%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $295,740Average earning assets
  • $31,951Average equity
  • $269,570Average loans

List of branches

  • 4 Colorado Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    7476976Littleton Branch10457 Park Meadows Drive, Suite 103, Littleton, CO 80124Febuary 15, 2008Full Service Brick and Mortar
    9493010Colorado Springs Branch115 Tejon, Colorado Springs, CO 80903May 28, 2009Full Service Brick and Mortar
    10359266South Broadway Branch9131 South Broadway, Suite 500, Highlands Ranch, CO 80126April 02, 2000Full Service Brick and Mortar
    11359924Hampden And Logan Branch3531 South Logan Street, Suite A, Englewood, CO 80110January 26, 1999Full Service Brick and Mortar
  • 6 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    057139First Commercial Bank1601 South Kelly, Edmond, OK 73013November 01, 1996Full Service Brick and Mortar
    116497Rockwell Bank Branch7308 Northwest Expressway, Oklahoma City, OK 73132September 16, 1981Full Service Brick and Mortar
    213959American Commerce Branch3131 Shields Boulevard, Oklahoma City, OK 73126October 26, 1970Full Service Brick and Mortar
    3256436Chase Plaza Branch3801 W Memorial Rd, Oklahoma City, OK 73134April 19, 1999Full Service Brick and Mortar
    5441156Classen Branch2523 North Classen Blvd., Oklahoma City, OK 73106March 05, 2004Full Service Brick and Mortar
    8490932Norman900 36th Avenue Nw, Suite 102, Norman, OK 73072May 01, 2009Full Service Brick and Mortar

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