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
No
ID
Name
Address
Established
Service Type
Map
0
8770
First Liberty Bank
9601 N. May Avenue, Oklahoma City, OK 73120
December 12, 1933
Full Service Brick and Mortar
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