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

  • First National Bank of Oklahoma in Oklahoma City, Oklahoma (OK)
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First National Bank of Oklahoma - Overview

  • General
  • FDIC Certificate #: 4211
    Status: Active
    Federal Reserve ID: 525053
    Bank Holding Company (Regulatory Top Holder): First Bancorp Of Oklahoma, Inc. (RSSDID: 1058343, Location: Tonkawa, OK)
    Date Established: January 01, 1917
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 12990
    FDIC's unique #: 2763
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: April 30, 2011
    Last Structure Change Process Date: July 08, 2011
    Last Data Update: July 08, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 10900 Hefner Pointe Drive, Oklahoma City, OK 73120
    County: Oklahoma
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Tulsa
    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
  • Change in Location
  • Financial Summary
  • Total assets: $260.1 mil
    Equity capital: $22.3 mil
    Deposits held in domestic offices: $227.0 mil
    Return on assets (ROA): 1.56% ($4.1 mil)
    Quarterly return on assets: 1.45% ($3.8 mil)
    Return on Equity (ROE): 18.86% ($4.1 mil)
    Quarterly return on equity: 17.08% ($3.8 mil)
    Net income: $3.9 mil
    Quarterly Net income: $0.9 mil
    Pretax return on assets: 1.56% ($4,057.2 mil)
    Quarterly Pretax return on assets: 1.45% ($3,771.1 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
  • 51Total employees (full-time equivalent)
  • $260,075Total assets
  • $32,456Cash and due from depository institutions
  • $25,933Interest-bearing balances
  • $18,917Securities
  • $19,805Federal funds sold & reverse repurchase agreements
  • $178,859Net loans & leases
  • $2,074Loan loss allowance
  • $0Trading account assets
  • $5,039Bank premises and fixed assets
  • $98Other real estate owned
  • $0Goodwill and other intangibles
  • $260,075Life insurance assets
  • $4,901All other assets
  • $237,755Total liabilities and capital
  • $226,967Total liabilities
  • $185,763Total deposits
  • $226,967Interest-bearing deposits
  • $72Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,500Trading liabilities
  • $0Other borrowed funds
  • $288Subordinated debt
  • $22,320All other liabilities
  • $22,320Total equity capital
  • $22,320Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $5,089Surplus
  • $16,731Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,769Income earned, not collected on loans
  • $0Earning assets
  • $1,227Long-term assets (5+ years)
  • $243,514Average Assets, year-to-date
  • $36,082Average Assets, quarterly
  • $251,569Volatile liabilities
  • $258,487Insider loans
  • $187,848FHLB advances
  • $260,309Loans and leases held for sale
  • $1,130Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $21,688Tier 2 risk-based capital
  • $1,130Total risk weighted assets
  • $0Total unused commitments
  • $22,784Restructured Loans and leases
  • $5,246Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,241Total interest income
  • $2,158Total interest expense
  • $10,083Net interest income
  • $240Provision for loan and lease losses
  • $882Total noninterest income
  • $0Fiduciary activities
  • $552Service charges on deposit accounts
  • $0Trading account gains & fees
  • $330Additional noninterest income
  • $6,792Total noninterest expense
  • $3,413Salaries and employee benefits
  • $913Premises and equipment expense
  • $2,466Additional noninterest expense
  • $3,933Pre-tax net operating income
  • $1Securities gains (losses)
  • $0Applicable income taxes
  • $3,934Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,934Net income attributable to bank
  • $0Net charge-offs
  • $3,934Cash dividends
  • $140Sale, conversion, retirement of capital stock, net
  • $1,637Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.20%Yield on earning assets
  • 0.92%Cost of funding earning assets
  • 4.29%Net interest margin
  • 0.37%Noninterest income to earning assets
  • 2.89%Noninterest expense to earning assets
  • 1.56%Net operating income to assets
  • 1.56%Return on assets (ROA)
  • 1.56%Pretax return on assets
  • 18.86%Return on equity (ROE)
  • 11.01%Retained earnings to average equity (YTD only)
  • 0.08%Net charge-offs to loans
  • 171.43%Credit loss provision to net charge-offs
  • 29.81%Efficiency ratio
  • 61,943Assets per employee
  • 5.10%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 41.61%Loss allowance to loans
  • 1.15%Loss allowance to noncurrent loans
  • 117.24%Noncurrent assets plus other real estate owned to assets
  • 0.72%Noncurrent loans to loans
  • 0.98%Net loans and leases to deposits
  • 78.80%Net loans and leases to core deposits
  • 113.42%Equity capital to assets
  • 8.58%Core capital (leverage) ratio
  • 8.33%Tier 1 risk-based capital ratio
  • 11.55%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $251,569Average earning assets
  • $20,861Average equity
  • $235,261Average loans

List of branches

  • 4 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02763First National Bank Of Oklahoma10900 Hefner Pointe Drive, Oklahoma City, OK 73120January 01, 1917Full Service Brick and Mortar
    3202385Tonkawa Branch101 West Grand, Tonkawa, OK 74653December 01, 1997Full Service Brick and Mortar
    4419420Oklahoma City Branch5625 North Western, Oklahoma City, OK 73118August 19, 2002Full Service Brick and Mortar
    5516278Ponca City Branch1501 East Prospect Avenue, Ponca City, OK 74604December 15, 2010Full Service Brick and Mortar

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