First Commercial Bank, SSB in Lawton, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 14, 1997

First Commercial Bank, SSB in Lawton, Oklahoma (OK)
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First Commercial Bank, SSB - Overview

General
FDIC Certificate #: 32240
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Citizens Bank (#22004)
Federal Reserve ID: 754675
Date Established: September 18, 1984
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
OTS Docket #: 8037
FDIC's unique #: 45074
Numeric code: 35
Regulator: OTS
Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
FDIC Insured: Yes
SAIF Insured: Yes
Insured Savings Institution: Yes
State Chartered: Yes
Date of Deposit Insurance: September 18, 1984
Last Structure Change Effective Date: November 14, 1997
Last Structure Change Process Date: December 29, 1997
Last Data Update: December 29, 1997
Data Source Date: April 05, 2012
Location
Address: 2603 Northwest Cache Road, Lawton, OK 73505
County: Comanche
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): Lawton, OK (#4200)
Core Based Statistical Area (CBSA): Lawton, OK (#30020)
CBSA Metro Statistical Area: Lawton, OK (#30020)
Financial Summary
Total assets: $41.5 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

Dollar figures in thousands
0Total employees (full-time equivalent)
$72Total assets
$49,129Cash and due from depository institutions
$2,654Interest-bearing balances
$82Securities
$8,296Federal funds sold & reverse repurchase agreements
$2,100Net loans & leases
$30,475Loan loss allowance
$209Trading account assets
$0Bank premises and fixed assets
$2,151Other real estate owned
$136Goodwill and other intangibles
$3,276Life insurance assets
$41All other assets
$0Total liabilities and capital
$49,129Total liabilities
$46,283Total deposits
$45,698Interest-bearing deposits
$39,071Deposits held in domestic offices
45698.00%% insured (estimated)
$93Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$585Total equity capital
$585Total bank equity capital
$2,846Perpetual preferred stock
$0Common stock
$1,736Surplus
$434Undivided profits
Memoranda
$676Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$453Income earned, not collected on loans
$251Earning assets
$40,953Long-term assets (5+ years)
$0Average Assets, year-to-date
$53,565Average Assets, quarterly
$51,753Volatile liabilities
$5,240Insider loans
$0FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$22,288Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$2,839Total risk weighted assets
$22,557Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1996)

Dollar figures in thousands
$0Total interest income
$3,777Total interest expense
$2,126Net interest income
$1,651Provision for loan and lease losses
$10Total noninterest income
$3,900Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$3Additional noninterest income
$3,897Total noninterest expense
$5,397Salaries and employee benefits
$2,677Premises and equipment expense
$1,087Additional noninterest expense
$1,633Pre-tax net operating income
$144Securities gains (losses)
-$723Applicable income taxes
-$193Income before extraordinary items
-$386Extraordinary gains - net
$0Net income attributable to bank
-$386Net charge-offs
$107Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1996)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.13%Cost of funding earning assets
4.57%Net interest margin
3.55%Noninterest income to earning assets
8.39%Noninterest expense to earning assets
11.61%Net operating income to assets
0.18%Return on assets (ROA)
-0.72%Pretax return on assets
-1.08%Return on equity (ROE)
-13.21%Retained earnings to average equity (YTD only)
-13.21%Net charge-offs to loans
0.29%Credit loss provision to net charge-offs
9.35%Efficiency ratio
96,217Assets per employee
0.68%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.68%Loss allowance to noncurrent loans
45.03%Noncurrent assets plus other real estate owned to assets
1.20%Noncurrent loans to loans
1.48%Net loans and leases to deposits
66.69%Net loans and leases to core deposits
75.33%Equity capital to assets
5.79%Core capital (leverage) ratio
5.78%Tier 1 risk-based capital ratio
12.59%Total risk-based capital ratio
Memoranda
$13Average assets
$53,565Average earning assets
$2,922Average equity
$46,470Average loans

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