Interbank in Elk City, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 31, 2010

  • Interbank in Elk City, Oklahoma (OK)
  • Show street view No street view available for this location

Interbank - Overview

  • General
  • FDIC Certificate #: 4191
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: InterBank (#27210)
    Federal Reserve ID: 433354
    Date Established: September 11, 1901
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 5 (Interstate: No)
    OTS Docket #: 13436
    FDIC's unique #: 2744
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: December 31, 2010
    Last Structure Change Process Date: January 04, 2011
    Last Data Update: January 04, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 1620 West Third Street, Elk City, OK 73648
    County: Beckham
    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
    Core Based Statistical Area (CBSA): Elk City, OK (#21120)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $233.5 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, 2009)

  • Dollar figures in thousands
  • 60Total employees (full-time equivalent)
  • $226,654Total assets
  • $7,707Cash and due from depository institutions
  • $2,033Interest-bearing balances
  • $0Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $200,805Net loans & leases
  • $2,021Loan loss allowance
  • $0Trading account assets
  • $5,743Bank premises and fixed assets
  • $266Other real estate owned
  • $8,068Goodwill and other intangibles
  • $0Life insurance assets
  • $4,065All other assets
  • $226,654Total liabilities and capital
  • $197,440Total liabilities
  • $193,160Total deposits
  • $172,218Interest-bearing deposits
  • $193,160Deposits held in domestic offices
  • 81.48%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $3,850Other borrowed funds
  • $0Subordinated debt
  • $430All other liabilities
  • $29,214Total equity capital
  • $29,214Total bank equity capital
  • $29,214Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $26,867Undivided profits
  • Memoranda
  • $1,347Noncurrent loans and leases
  • $24,139Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $2,429Earning assets
  • $0Long-term assets (5+ years)
  • $1,362Average Assets, year-to-date
  • $202,838Average Assets, quarterly
  • $13,943Volatile liabilities
  • $225,099Insider loans
  • $222,692FHLB advances
  • $51,716Loans and leases held for sale
  • $10,156Unused loan commitments
  • $3,850Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $24,139Total unused commitments
  • $0Restructured Loans and leases
  • $2,021Derivatives

Income and Expense (December 31, 2009)

  • Dollar figures in thousands
  • $12,291Total interest income
  • $2,482Total interest expense
  • $9,809Net interest income
  • $126Provision for loan and lease losses
  • $2,328Total noninterest income
  • $0Fiduciary activities
  • $1,852Service charges on deposit accounts
  • $0Trading account gains & fees
  • $476Additional noninterest income
  • $8,369Total noninterest expense
  • $3,077Salaries and employee benefits
  • $719Premises and equipment expense
  • $4,573Additional noninterest expense
  • $3,642Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $3,642Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,642Net income attributable to bank
  • $0Net charge-offs
  • $3,642Cash dividends
  • $127Sale, conversion, retirement of capital stock, net
  • $5,000Net operating income

Performance and Condition Ratios (December 31, 2009)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.06%Yield on earning assets
  • 1.22%Cost of funding earning assets
  • 4.84%Net interest margin
  • 1.15%Noninterest income to earning assets
  • 4.13%Noninterest expense to earning assets
  • 1.62%Net operating income to assets
  • 1.62%Return on assets (ROA)
  • 1.62%Pretax return on assets
  • 11.79%Return on equity (ROE)
  • -4.40%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 99.21%Credit loss provision to net charge-offs
  • 29.67%Efficiency ratio
  • 55,961Assets per employee
  • 3.78%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 137.29%Loss allowance to loans
  • 1.00%Loss allowance to noncurrent loans
  • 83.20%Noncurrent assets plus other real estate owned to assets
  • 1.19%Noncurrent loans to loans
  • 1.20%Net loans and leases to deposits
  • 103.96%Net loans and leases to core deposits
  • 138.21%Equity capital to assets
  • 12.89%Core capital (leverage) ratio
  • 10.04%Tier 1 risk-based capital ratio
  • 10.94%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $225,099Average earning assets
  • $30,881Average equity
  • $202,874Average loans

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