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
    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

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with First Liberty Bank.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents