InterBank in Oklahoma City, Oklahoma (OK), TX
Overview, Financial Summary, Detailed Financial Reports, Branches


  • InterBank in Oklahoma City, Oklahoma (OK), TX
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InterBank - Overview

  • General
  • FDIC Certificate #: 27210
    Status: Active
    Federal Reserve ID: 1187001
    Bank Holding Company (Regulatory Top Holder): Olney Bancshares Of Texas, Inc. (RSSDID: 2233950, Location: Olney, TX)
    Date Established: March 31, 1988
    WWW: http://www.interbankok.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 33 (Domestic: 33, Interstate: Yes)
    OTS Docket #: 10803
    FDIC's unique #: 39115
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: March 31, 1988
    Last Structure Change Effective Date: July 16, 2011
    Last Structure Change Process Date: August 30, 2011
    Last Data Update: August 30, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 4921 North May Avenue, Oklahoma City, OK 73112
    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)
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $1,842.7 mil
    Equity capital: $244.2 mil
    Deposits held in domestic offices: $1,589.2 mil
    Return on assets (ROA): 1.87% ($34.5 mil)
    Quarterly return on assets: 1.96% ($36.1 mil)
    Return on Equity (ROE): 13.91% ($33.9 mil)
    Quarterly return on equity: 14.79% ($36.1 mil)
    Net income: $32.7 mil
    Quarterly Net income: $8.9 mil
    Pretax return on assets: 1.87% ($34,458.1 mil)
    Quarterly Pretax return on assets: 1.96% ($36,116.5 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
  • 351Total employees (full-time equivalent)
  • $1,842,680Total assets
  • $244,337Cash and due from depository institutions
  • $157,903Interest-bearing balances
  • $262Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $1,449,783Net loans & leases
  • $16,914Loan loss allowance
  • $0Trading account assets
  • $49,214Bank premises and fixed assets
  • $12,785Other real estate owned
  • $59,094Goodwill and other intangibles
  • $1,842,680Life insurance assets
  • $27,205All other assets
  • $1,598,511Total liabilities and capital
  • $1,589,167Total liabilities
  • $1,092,869Total deposits
  • $1,589,167Interest-bearing deposits
  • $72Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $658Trading liabilities
  • $7,000Other borrowed funds
  • $1,686Subordinated debt
  • $244,169All other liabilities
  • $244,169Total equity capital
  • $244,169Total bank equity capital
  • $0Perpetual preferred stock
  • $6,789Common stock
  • $164,430Surplus
  • $72,950Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $4,878Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $26,866Income earned, not collected on loans
  • $341Earning assets
  • $8,972Long-term assets (5+ years)
  • $1,607,948Average Assets, year-to-date
  • $170,795Average Assets, quarterly
  • $1,742,237Volatile liabilities
  • $1,815,296Insider loans
  • $1,497,392FHLB advances
  • $1,762,772Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $185,075Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $141,274Restructured Loans and leases
  • $65,313Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $78,844Total interest income
  • $7,874Total interest expense
  • $70,970Net interest income
  • $8,139Provision for loan and lease losses
  • $7,561Total noninterest income
  • $0Fiduciary activities
  • $5,905Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,656Additional noninterest income
  • $37,736Total noninterest expense
  • $18,861Salaries and employee benefits
  • $4,887Premises and equipment expense
  • $13,988Additional noninterest expense
  • $32,656Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $32,656Income before extraordinary items
  • $0Extraordinary gains - net
  • $32,656Net income attributable to bank
  • $0Net charge-offs
  • $32,656Cash dividends
  • $12,936Sale, conversion, retirement of capital stock, net
  • $12,024Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.09%Yield on earning assets
  • 0.51%Cost of funding earning assets
  • 4.58%Net interest margin
  • 0.49%Noninterest income to earning assets
  • 2.44%Noninterest expense to earning assets
  • 1.87%Net operating income to assets
  • 1.87%Return on assets (ROA)
  • 1.87%Pretax return on assets
  • 13.91%Return on equity (ROE)
  • 8.79%Retained earnings to average equity (YTD only)
  • 0.90%Net charge-offs to loans
  • 62.92%Credit loss provision to net charge-offs
  • 3.15%Efficiency ratio
  • 47,388Assets per employee
  • 5.25%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 36.82%Loss allowance to loans
  • 1.15%Loss allowance to noncurrent loans
  • 62.96%Noncurrent assets plus other real estate owned to assets
  • 2.15%Noncurrent loans to loans
  • 1.83%Net loans and leases to deposits
  • 91.23%Net loans and leases to core deposits
  • 98.79%Equity capital to assets
  • 13.25%Core capital (leverage) ratio
  • 10.50%Tier 1 risk-based capital ratio
  • 12.36%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $1,742,237Average earning assets
  • $234,699Average equity
  • $1,549,175Average loans

List of branches

  • 20 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    039115Interbank4921 North May Avenue, Oklahoma City, OK 73112March 31, 1988Full Service Brick and Mortar
    3240583Drive-In Branch2919 N.W. 49th Street, Oklahoma City, OK 73112September 06, 1966Limited Service Facility
    542097Capitol Hill Branch312 West Commerce Street, Oklahoma City, OK 73109January 01, 1926Full Service Brick and Mortar
    6274103South Penn Branch7300 South Pennsylvania, Oklahoma City, OK 73159January 01, 1926Full Service Brick and Mortar
    7274104Edmond Branch125 East First, Edmond, OK 73034January 01, 1926Full Service Brick and Mortar
    942272Memorial Branch1201 West Memorial Road, Oklahoma City, OK 73114January 01, 1912Full Service Brick and Mortar
    10437906Rose Rock Bank Branch10900 Hefner Pointe Drive, Oklahoma City, OK 73120June 16, 2005Full Service Brick and Mortar
    11318Hennessey Branch101 North Main Street, Hennessey, OK 73742January 01, 1902Full Service Brick and Mortar
    12269223Enid Branch510 North Commerce, Enid, OK 73703January 01, 1921Full Service Brick and Mortar
    132692Main Kingfisher Branch320 North Main Street, Kingfisher, OK 73750March 01, 1891Full Service Brick and Mortar
    14202313Auto Bank - South Branch1209 South Main, Kingfisher, OK 73750January 22, 1991Limited Service Facility
    15202299Downtown Branch101 North Rock Island, El Reno, OK 73036December 09, 1993Limited Service Facility
    1616366El Reno Branch2409 Country Club Road, El Reno, OK 73036March 16, 1981Full Service Brick and Mortar
    272744Elk City Branch1620 West Third Street, Elk City, OK 73648September 11, 1901Full Service Brick and Mortar
    28285972Sayre Branch123 West Main Street, Sayre, OK 73662June 30, 1989Full Service Brick and Mortar
    29285973Clinton Branch807 Gary Boulevard, Clinton, OK 73601June 30, 1989Full Service Brick and Mortar
    30357675Hobart Branch400 South Main, Hobart, OK 73651July 28, 1999Full Service Brick and Mortar
    31453351Hobart Drive Thru Branch429 South Jefferson, Hobart, OK 73651October 15, 2004Limited Service Facility
    35181618East Cleveland Facility110 East Cleveland Avenue, Guthrie, OK 73044October 07, 1982Limited Service Facility
    36360637Guthrie Branch224 East Oklahoma Avenue, Guthrie, OK 73044April 23, 2001Full Service Brick and Mortar
  • 13 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    1712686Breckenridge Branch301 West Walker Street, Breckenridge, TX 76424July 19, 1963Full Service Brick and Mortar
    183755Seymour Branch100 North Washington Street, Seymour, TX 76380January 01, 1904Full Service Brick and Mortar
    1960856Citzens National Bank Of Childress/B501 Avenue F, N.W., Childress, TX 79201December 04, 1997Full Service Brick and Mortar
    202013Coleman Branch100 Commercial Avenue, Coleman, TX 76834Febuary 02, 1932Full Service Brick and Mortar
    2136308Olney Branch307 West Main Street, Olney, TX 76374March 12, 1987Full Service Brick and Mortar
    2260857Canadian Branch115 Main Street, Canadian, TX 79014December 04, 1997Full Service Brick and Mortar
    232058Follett BranchMain Street, Follett, TX 79034January 01, 1913Full Service Brick and Mortar
    247606Friona Branch11th Street At Cleveland, Friona, TX 79035November 19, 1919Full Service Brick and Mortar
    257593Vega Branch101 North Main Street, Vega, TX 79092October 05, 1908Full Service Brick and Mortar
    2648173Graham Branch455 Elm Street, Graham, TX 76450January 03, 1994Full Service Brick and Mortar
    32246009Stinnett Branch525 Morse Street, Stinnett, TX 79083May 28, 1991Full Service Brick and Mortar
    33515148Borger Branch531 Deahl Street, Borger, TX 79007December 31, 2010Full Service Brick and Mortar
    3460858Borger Branch400 N Main, Panhandle, TX 79068December 04, 1997Full Service Brick and Mortar

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