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


First Liberty Bank - Overview

  • General
  • FDIC Certificate #: 14029
    Status: Active
    Federal Reserve ID: 898850
    Bank Holding Company (Regulatory Top Holder): First Liberty Holdings, Llc (RSSDID: 3435845, Location: Oklahoma City, OK)
    Date Established: December 12, 1933
    WWW: http://www.myfirstliberty.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 16948
    FDIC's unique #: 8770
    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: January 01, 1934
    Last Structure Change Effective Date: April 25, 2007
    Last Structure Change Process Date: April 25, 2007
    Last Data Update: April 25, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 9601 N. May Avenue, Oklahoma City, OK 73120
    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: $199.1 mil
    Equity capital: $21.5 mil
    Deposits held in domestic offices: $177.4 mil
    Return on assets (ROA): 1.02% ($2.0 mil)
    Quarterly return on assets: 1.04% ($2.1 mil)
    Return on Equity (ROE): 9.17% ($2.0 mil)
    Quarterly return on equity: 9.37% ($2.1 mil)
    Net income: $1.8 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.59% ($3,165.1 mil)
    Quarterly Pretax return on assets: 0.64% ($1,274.0 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
  • 21Total employees (full-time equivalent)
  • $199,064Total assets
  • $3,040Cash and due from depository institutions
  • $250Interest-bearing balances
  • $34,586Securities
  • $35,991Federal funds sold & reverse repurchase agreements
  • $115,256Net loans & leases
  • $2,093Loan loss allowance
  • $0Trading account assets
  • $3,541Bank premises and fixed assets
  • $0Other real estate owned
  • $612Goodwill and other intangibles
  • $199,064Life insurance assets
  • $6,038All other assets
  • $177,547Total liabilities and capital
  • $177,360Total liabilities
  • $92,990Total deposits
  • $177,360Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $187Subordinated debt
  • $21,517All other liabilities
  • $21,517Total equity capital
  • $21,517Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $17,557Surplus
  • $3,860Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,273Income earned, not collected on loans
  • $0Earning assets
  • $855Long-term assets (5+ years)
  • $186,083Average Assets, year-to-date
  • $42,933Average Assets, quarterly
  • $181,385Volatile liabilities
  • $190,032Insider loans
  • $152,589FHLB advances
  • $185,775Loans and leases held for sale
  • $4,012Unused loan commitments
  • $4,012Tier 1 (core) risk-based capital
  • $19,922Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,122Restructured Loans and leases
  • $4,248Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,241Total interest income
  • $1,387Total interest expense
  • $6,854Net interest income
  • $1,517Provision for loan and lease losses
  • $1,069Total noninterest income
  • $0Fiduciary activities
  • $260Service charges on deposit accounts
  • $0Trading account gains & fees
  • $809Additional noninterest income
  • $3,696Total noninterest expense
  • $2,094Salaries and employee benefits
  • $219Premises and equipment expense
  • $1,383Additional noninterest expense
  • $2,710Pre-tax net operating income
  • $182Securities gains (losses)
  • $1,046Applicable income taxes
  • $1,846Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,846Net income attributable to bank
  • $0Net charge-offs
  • $1,846Cash dividends
  • $1,235Sale, conversion, retirement of capital stock, net
  • $250Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.84%Yield on earning assets
  • 0.81%Cost of funding earning assets
  • 4.02%Net interest margin
  • 0.63%Noninterest income to earning assets
  • 2.17%Noninterest expense to earning assets
  • 0.95%Net operating income to assets
  • 1.02%Return on assets (ROA)
  • 1.59%Pretax return on assets
  • 9.17%Return on equity (ROE)
  • 7.92%Retained earnings to average equity (YTD only)
  • 1.03%Net charge-offs to loans
  • 122.83%Credit loss provision to net charge-offs
  • 3.42%Efficiency ratio
  • 46,649Assets per employee
  • 9.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 13.54%Loss allowance to loans
  • 1.78%Loss allowance to noncurrent loans
  • 48.98%Noncurrent assets plus other real estate owned to assets
  • 2.15%Noncurrent loans to loans
  • 3.64%Net loans and leases to deposits
  • 64.98%Net loans and leases to core deposits
  • 70.36%Equity capital to assets
  • 10.81%Core capital (leverage) ratio
  • 10.72%Tier 1 risk-based capital ratio
  • 13.06%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $181,385Average earning assets
  • $20,139Average equity
  • $170,338Average loans

List of branches

  • 1 Oklahoma Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08770First Liberty Bank9601 N. May Avenue, Oklahoma City, OK 73120December 12, 1933Full Service Brick and Mortar

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