First Enterprise Bank in Oklahoma City, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Enterprise Bank - Overview

  • General
  • FDIC Certificate #: 4049
    Status: Active
    Federal Reserve ID: 315656
    Date Established: January 01, 1907
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 11373
    FDIC's unique #: 2625
    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: 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: 1000 West Britton Avenue, Oklahoma City, OK 73114
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $166.6 mil
    Equity capital: $14.6 mil
    Deposits held in domestic offices: $137.2 mil
    Return on assets (ROA): 1.24% ($2.1 mil)
    Quarterly return on assets: -0.85% (-$1.4 mil)
    Return on Equity (ROE): 14.00% ($2.1 mil)
    Quarterly return on equity: -9.50% (-$1.4 mil)
    Net income: $2.1 mil
    Quarterly Net income: -$0.4 mil
    Pretax return on assets: 1.24% ($2,065.7 mil)
    Quarterly Pretax return on assets: -0.85% (-$1,416.0 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
  • 61Total employees (full-time equivalent)
  • $166,592Total assets
  • $18,245Cash and due from depository institutions
  • $11,476Interest-bearing balances
  • $1Securities
  • $885Federal funds sold & reverse repurchase agreements
  • $135,569Net loans & leases
  • $2,255Loan loss allowance
  • $0Trading account assets
  • $2,325Bank premises and fixed assets
  • $6,107Other real estate owned
  • $0Goodwill and other intangibles
  • $166,592Life insurance assets
  • $3,460All other assets
  • $152,019Total liabilities and capital
  • $137,211Total liabilities
  • $107,058Total deposits
  • $137,211Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $14,600Trading liabilities
  • $0Other borrowed funds
  • $208Subordinated debt
  • $14,573All other liabilities
  • $14,573Total equity capital
  • $14,573Total bank equity capital
  • $0Perpetual preferred stock
  • $1,650Common stock
  • $1,650Surplus
  • $11,273Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,080Income earned, not collected on loans
  • $0Earning assets
  • $797Long-term assets (5+ years)
  • $147,931Average Assets, year-to-date
  • $965Average Assets, quarterly
  • $168,858Volatile liabilities
  • $167,765Insider loans
  • $136,522FHLB advances
  • $168,602Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,573Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,948Restructured Loans and leases
  • $2,836Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,195Total interest income
  • $1,604Total interest expense
  • $8,591Net interest income
  • $950Provision for loan and lease losses
  • $772Total noninterest income
  • $0Fiduciary activities
  • $816Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$44Additional noninterest income
  • $6,323Total noninterest expense
  • $3,281Salaries and employee benefits
  • $846Premises and equipment expense
  • $2,196Additional noninterest expense
  • $2,090Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $2,090Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,090Net income attributable to bank
  • $0Net charge-offs
  • $2,090Cash dividends
  • $223Sale, conversion, retirement of capital stock, net
  • $1,648Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.66%Yield on earning assets
  • 1.05%Cost of funding earning assets
  • 5.61%Net interest margin
  • 0.50%Noninterest income to earning assets
  • 4.13%Noninterest expense to earning assets
  • 1.24%Net operating income to assets
  • 1.24%Return on assets (ROA)
  • 1.24%Pretax return on assets
  • 14.00%Return on equity (ROE)
  • 2.96%Retained earnings to average equity (YTD only)
  • 0.16%Net charge-offs to loans
  • 426.01%Credit loss provision to net charge-offs
  • 13.63%Efficiency ratio
  • 67,532Assets per employee
  • 2.73%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 78.85%Loss allowance to loans
  • 1.64%Loss allowance to noncurrent loans
  • 55.27%Noncurrent assets plus other real estate owned to assets
  • 6.11%Noncurrent loans to loans
  • 2.96%Net loans and leases to deposits
  • 98.80%Net loans and leases to core deposits
  • 121.27%Equity capital to assets
  • 8.75%Core capital (leverage) ratio
  • 8.64%Tier 1 risk-based capital ratio
  • 10.67%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $168,858Average earning assets
  • $14,933Average equity
  • $153,184Average loans

List of branches

  • 6 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02625First Enterprise Bank1000 West Britton Avenue, Oklahoma City, OK 73114January 01, 1907Full Service Brick and Mortar
    1202249Motor Bank Branch1011 N.W. 92nd Street, Oklahoma City, OK 73114May 01, 1962Limited Service Facility
    2202250N.W. 122nd Street Branch3801 N.W. 122nd Street, Oklahoma City, OK 73120August 30, 1985Full Service Brick and Mortar
    3124822115 S.W. 44th Street Branch2115 S.W. 44th Street, Oklahoma City, OK 73119September 24, 1962Full Service Brick and Mortar
    4245821Detached Facility2116 S W 44th St, Oklahoma City, OK 73108October 15, 1976Limited Service Facility
    520225139th Street Branch4413 Northwest 39th Street, Oklahoma City, OK 73112July 11, 1997Full Service Brick and Mortar

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