FDIC Certificate #: 30372 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Local Oklahoma Bank (#28542) Federal Reserve ID: 162579 Date Established: January 01, 1906 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 5245 FDIC's unique #: 43206 Numeric code: 33 Regulator: OTS Insurance Fund Membership: Savings Association Insurance Fund (SAIF) FDIC Insured: Yes SAIF Insured: Yes Insured Savings Institution: Yes State Chartered: No Date of Deposit Insurance: May 23, 1949 Last Structure Change Effective Date: October 15, 1999 Last Structure Change Process Date: November 05, 1999 Last Data Update: November 05, 1999 Data Source Date: April 05, 2012
Location
Address: 120 North Division, Guthrie, OK 73044 County: Logan 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: $43.0 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1998)
Dollar figures in thousands
16Total employees (full-time equivalent)
$46,055Total assets
$4,825Cash and due from depository institutions
$4,526Interest-bearing balances
$14,847Securities
$0Federal funds sold & reverse repurchase agreements
$24,599Net loans & leases
$237Loan loss allowance
$0Trading account assets
$722Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,062All other assets
$46,055Total liabilities and capital
$39,305Total liabilities
$35,786Total deposits
$34,766Interest-bearing deposits
$35,786Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$3,268Other borrowed funds
$0Subordinated debt
$251All other liabilities
$6,750Total equity capital
$6,750Total bank equity capital
$6,750Perpetual preferred stock
$0Common stock
$1Surplus
$2,410Undivided profits
Memoranda
$4,339Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$406Earning assets
$0Long-term assets (5+ years)
$133Average Assets, year-to-date
$43,972Average Assets, quarterly
$0Volatile liabilities
$47,432Insider loans
$46,549FHLB advances
$5,013Loans and leases held for sale
$80Unused loan commitments
$3,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,678Total unused commitments
$0Restructured Loans and leases
$20,863Derivatives
Income and Expense (December 31, 1998)
Dollar figures in thousands
$3,487Total interest income
$1,828Total interest expense
$1,659Net interest income
$0Provision for loan and lease losses
$318Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$318Additional noninterest income
$1,117Total noninterest expense
$580Salaries and employee benefits
$245Premises and equipment expense
$292Additional noninterest expense
$860Pre-tax net operating income
$0Securities gains (losses)
$345Applicable income taxes
$515Income before extraordinary items
$0Extraordinary gains - net
$515Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$16Sale, conversion, retirement of capital stock, net
$450Net operating income
Performance and Condition Ratios (December 31, 1998)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.69%Yield on earning assets
4.03%Cost of funding earning assets
3.66%Net interest margin
0.70%Noninterest income to earning assets
2.46%Noninterest expense to earning assets
1.09%Net operating income to assets
1.09%Return on assets (ROA)
1.81%Pretax return on assets
7.61%Return on equity (ROE)
0.96%Retained earnings to average equity (YTD only)
0.06%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
53.75%Efficiency ratio
56,500Assets per employee
2.88%Cash dividends to net income (YTD only)
Condition Ratios (%)
87.38%Loss allowance to loans
0.95%Loss allowance to noncurrent loans
58.37%Noncurrent assets plus other real estate owned to assets
0.88%Noncurrent loans to loans
1.63%Net loans and leases to deposits
68.74%Net loans and leases to core deposits
72.26%Equity capital to assets
14.66%Core capital (leverage) ratio
14.65%Tier 1 risk-based capital ratio
32.35%Total risk-based capital ratio
Memoranda
$33Average assets
$47,432Average earning assets
$6,767Average equity
$45,360Average loans
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