Kirkpatrick Bank in Edmond, Oklahoma (OK), CO
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Kirkpatrick Bank in Edmond, Oklahoma (OK), CO
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Kirkpatrick Bank - Overview

  • General
  • FDIC Certificate #: 20156
    Status: Active
    Federal Reserve ID: 67151
    Bank Holding Company (Regulatory Top Holder): American Bancorp Of Oklahoma, Inc. (RSSDID: 1136269, Location: Edmond, OK)
    Date Established: March 23, 1970
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Domestic: 6, Interstate: Yes)
    OTS Docket #: 9266
    FDIC's unique #: 13850
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: March 23, 1970
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 15 East 15th Street, Edmond, OK 73013
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $536.2 mil
    Equity capital: $50.3 mil
    Deposits held in domestic offices: $458.8 mil
    Return on assets (ROA): 0.85% ($4.6 mil)
    Quarterly return on assets: 0.99% ($5.3 mil)
    Return on Equity (ROE): 9.13% ($4.6 mil)
    Quarterly return on equity: 10.16% ($5.1 mil)
    Net income: $4.5 mil
    Quarterly Net income: $1.3 mil
    Pretax return on assets: 0.85% ($4,557.5 mil)
    Quarterly Pretax return on assets: 0.99% ($5,308.2 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
  • 89Total employees (full-time equivalent)
  • $536,180Total assets
  • $65,686Cash and due from depository institutions
  • $60,531Interest-bearing balances
  • $112,051Securities
  • $1,429Federal funds sold & reverse repurchase agreements
  • $338,303Net loans & leases
  • $9,131Loan loss allowance
  • $0Trading account assets
  • $7,060Bank premises and fixed assets
  • $4,594Other real estate owned
  • $325Goodwill and other intangibles
  • $536,180Life insurance assets
  • $6,732All other assets
  • $485,863Total liabilities and capital
  • $458,841Total liabilities
  • $382,192Total deposits
  • $458,841Interest-bearing deposits
  • $68Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $24,823Trading liabilities
  • $0Other borrowed funds
  • $2,199Subordinated debt
  • $50,317All other liabilities
  • $50,317Total equity capital
  • $50,317Total bank equity capital
  • $0Perpetual preferred stock
  • $1,152Common stock
  • $13,668Surplus
  • $35,497Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $471Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,842Income earned, not collected on loans
  • $0Earning assets
  • $1,975Long-term assets (5+ years)
  • $512,314Average Assets, year-to-date
  • $106,745Average Assets, quarterly
  • $531,206Volatile liabilities
  • $519,100Insider loans
  • $383,396FHLB advances
  • $503,601Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $48,166Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $55,841Restructured Loans and leases
  • $3,124Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $21,738Total interest income
  • $4,123Total interest expense
  • $17,615Net interest income
  • $2,743Provision for loan and lease losses
  • $1,039Total noninterest income
  • $0Fiduciary activities
  • $652Service charges on deposit accounts
  • $0Trading account gains & fees
  • $387Additional noninterest income
  • $12,284Total noninterest expense
  • $6,073Salaries and employee benefits
  • $1,887Premises and equipment expense
  • $4,324Additional noninterest expense
  • $3,627Pre-tax net operating income
  • $909Securities gains (losses)
  • $0Applicable income taxes
  • $4,536Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,536Net income attributable to bank
  • $0Net charge-offs
  • $4,536Cash dividends
  • $889Sale, conversion, retirement of capital stock, net
  • $3,013Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.29%Yield on earning assets
  • 0.81%Cost of funding earning assets
  • 3.47%Net interest margin
  • 0.20%Noninterest income to earning assets
  • 2.42%Noninterest expense to earning assets
  • 0.68%Net operating income to assets
  • 0.85%Return on assets (ROA)
  • 0.85%Pretax return on assets
  • 9.13%Return on equity (ROE)
  • 3.07%Retained earnings to average equity (YTD only)
  • 0.28%Net charge-offs to loans
  • 308.55%Credit loss provision to net charge-offs
  • 7.17%Efficiency ratio
  • 65,852Assets per employee
  • 6.02%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 66.42%Loss allowance to loans
  • 2.63%Loss allowance to noncurrent loans
  • 116.44%Noncurrent assets plus other real estate owned to assets
  • 2.32%Noncurrent loans to loans
  • 2.26%Net loans and leases to deposits
  • 73.73%Net loans and leases to core deposits
  • 85.08%Equity capital to assets
  • 9.38%Core capital (leverage) ratio
  • 9.56%Tier 1 risk-based capital ratio
  • 12.56%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $531,206Average earning assets
  • $49,681Average equity
  • $506,995Average loans

List of branches

  • 1 Colorado Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    218208Co Springs Branch25 North Cascade Suite 101, Colorado Springs, CO 80903January 05, 1981Full Service Brick and Mortar
  • 5 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013850Kirkpatrick Bank15 East 15th Street, Edmond, OK 73013March 23, 1970Full Service Brick and Mortar
    117256Edmond Branch3001 East Memorial Road, Edmond, OK 73013November 28, 1983Full Service Brick and Mortar
    3363915Okc Branch222 N.W. 63, Oklahoma City, OK 73116April 02, 2002Full Service Brick and Mortar
    4364994Edmond Branch2245 West Danforth Road, Edmond, OK 73003June 03, 2002Full Service Brick and Mortar
    6466434Savingssquare.Com Branch15 East 15th Street, Edmond, OK 73013Febuary 05, 2007Full Service Cyber

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