NBC OKLAHOMA in Oklahoma City, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • General
  • FDIC Certificate #: 4032
    Status: Active
    Federal Reserve ID: 39756
    Bank Holding Company (Regulatory Top Holder): Nbc Corp. Of Oklahoma (RSSDID: 1066003, Location: Oklahoma City, OK)
    Date Established: August 01, 1931
    WWW: http://www.nbcok.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 8 (Domestic: 8, Interstate: No)
    FDIC's unique #: 2613
    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: January 01, 1934
    Last Structure Change Effective Date: Febuary 08, 2010
    Last Structure Change Process Date: Febuary 08, 2010
    Last Data Update: Febuary 08, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 13401 North Pennsylvania Avenue, Oklahoma City, OK 73156
    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)
  • Financial Summary
  • Total assets: $483.1 mil
    Equity capital: $39.2 mil
    Deposits held in domestic offices: $428.7 mil
    Return on assets (ROA): 1.38% ($6.7 mil)
    Quarterly return on assets: 1.09% ($5.3 mil)
    Return on Equity (ROE): 16.82% ($6.6 mil)
    Quarterly return on equity: 13.34% ($5.2 mil)
    Net income: $6.3 mil
    Quarterly Net income: $1.3 mil
    Pretax return on assets: 1.38% ($6,666.4 mil)
    Quarterly Pretax return on assets: 1.09% ($5,265.5 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
  • 121Total employees (full-time equivalent)
  • $483,069Total assets
  • $54,382Cash and due from depository institutions
  • $33,653Interest-bearing balances
  • $65,836Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $337,196Net loans & leases
  • $5,722Loan loss allowance
  • $0Trading account assets
  • $9,467Bank premises and fixed assets
  • $95Other real estate owned
  • $1,515Goodwill and other intangibles
  • $483,070Life insurance assets
  • $14,578All other assets
  • $443,876Total liabilities and capital
  • $428,693Total liabilities
  • $291,789Total deposits
  • $428,693Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 8952.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,854Trading liabilities
  • $0Other borrowed funds
  • $3,377Subordinated debt
  • $39,194All other liabilities
  • $39,194Total equity capital
  • $39,194Total bank equity capital
  • $0Perpetual preferred stock
  • $800Common stock
  • $21,857Surplus
  • $16,537Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,868Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $13,067Income earned, not collected on loans
  • $24Earning assets
  • $2,873Long-term assets (5+ years)
  • $436,685Average Assets, year-to-date
  • $65,869Average Assets, quarterly
  • $457,235Volatile liabilities
  • $472,587Insider loans
  • $350,736FHLB advances
  • $451,211Loans and leases held for sale
  • $3,427Unused loan commitments
  • $552Tier 1 (core) risk-based capital
  • $37,137Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,875Total unused commitments
  • $64,511Restructured Loans and leases
  • $14,787Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $20,539Total interest income
  • $2,467Total interest expense
  • $18,072Net interest income
  • $1,230Provision for loan and lease losses
  • $3,251Total noninterest income
  • $8Fiduciary activities
  • $1,194Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,049Additional noninterest income
  • $14,131Total noninterest expense
  • $7,541Salaries and employee benefits
  • $1,975Premises and equipment expense
  • $4,615Additional noninterest expense
  • $5,962Pre-tax net operating income
  • $360Securities gains (losses)
  • $0Applicable income taxes
  • $6,322Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,322Net income attributable to bank
  • $0Net charge-offs
  • $6,322Cash dividends
  • $817Sale, conversion, retirement of capital stock, net
  • $5,357Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.90%Yield on earning assets
  • 0.59%Cost of funding earning assets
  • 4.31%Net interest margin
  • 0.78%Noninterest income to earning assets
  • 3.37%Noninterest expense to earning assets
  • 1.30%Net operating income to assets
  • 1.38%Return on assets (ROA)
  • 1.38%Pretax return on assets
  • 16.82%Return on equity (ROE)
  • 2.57%Retained earnings to average equity (YTD only)
  • 0.23%Net charge-offs to loans
  • 150.55%Credit loss provision to net charge-offs
  • 8.80%Efficiency ratio
  • 66,271Assets per employee
  • 3.99%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 84.74%Loss allowance to loans
  • 1.67%Loss allowance to noncurrent loans
  • 43.79%Noncurrent assets plus other real estate owned to assets
  • 2.72%Noncurrent loans to loans
  • 3.81%Net loans and leases to deposits
  • 78.66%Net loans and leases to core deposits
  • 82.93%Equity capital to assets
  • 8.11%Core capital (leverage) ratio
  • 8.23%Tier 1 risk-based capital ratio
  • 10.59%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $457,235Average earning assets
  • $37,577Average equity
  • $418,971Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $15,080Managed Assets
  • 1Number of Accounts
  • $15,080Personal trust and agency accounts
  • $15,080Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 19Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 8 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02613Nbc Oklahoma13401 North Pennsylvania Avenue, Oklahoma City, OK 73156August 01, 1931Full Service Brick and Mortar
    1202233FacilityBuilding 24, First & E, Altus, OK 73521October 25, 1956Limited Service Military Facility
    217043Oakwood Branch3202 West Owen K. Garriott, Enid, OK 73703June 03, 1983Full Service Brick and Mortar
    447024Chisholm Federal Branch801 South Main, Kingfisher, OK 73750April 19, 1991Full Service Brick and Mortar
    5202234Altus/Sequoyah Branch101 Sequoyah Lane, Altus, OK 73521July 12, 1996Full Service Brick and Mortar
    6202235Altus Branch123 W Commerce, Altus, OK 73522July 15, 1998Full Service Brick and Mortar
    9256936Grand Boulevard Branch2828 Grand Boulevard, Oklahoma City, OK 73116August 28, 1995Full Service Brick and Mortar
    11480132Tulsa Branch7127 Riverside Drive, Tulsa, OK 74136July 31, 2008Full Service Brick and Mortar

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