Oklahoma Heritage Bank in Roff, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

Oklahoma Heritage Bank - Overview

  • General
  • FDIC Certificate #: 22855
    Status: Active
    Federal Reserve ID: 709956
    Date Established: May 07, 1979
    WWW: http://www.okheritage.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 53410
    FDIC's unique #: 15969
    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: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: May 07, 1979
    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: Main And Ninth Streets, Roff, OK 74865
    County: Pontotoc
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Tulsa
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Ada, OK (#10220)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $70.4 mil
    Equity capital: $5.4 mil
    Deposits held in domestic offices: $63.4 mil
    Return on assets (ROA): 0.76% ($0.5 mil)
    Quarterly return on assets: 0.61% ($0.4 mil)
    Return on Equity (ROE): 9.87% ($0.5 mil)
    Quarterly return on equity: 8.12% ($0.4 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.16% ($816.4 mil)
    Quarterly Pretax return on assets: 1.00% ($703.8 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
  • 28Total employees (full-time equivalent)
  • $70,378Total assets
  • $3,380Cash and due from depository institutions
  • $528Interest-bearing balances
  • $11,745Securities
  • $5,835Federal funds sold & reverse repurchase agreements
  • $47,007Net loans & leases
  • $782Loan loss allowance
  • $0Trading account assets
  • $1,444Bank premises and fixed assets
  • $28Other real estate owned
  • $0Goodwill and other intangibles
  • $70,378Life insurance assets
  • $939All other assets
  • $65,014Total liabilities and capital
  • $63,410Total liabilities
  • $51,842Total deposits
  • $63,410Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,318Trading liabilities
  • $0Other borrowed funds
  • $286Subordinated debt
  • $5,364All other liabilities
  • $5,364Total equity capital
  • $5,364Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $787Surplus
  • $4,577Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $329Income earned, not collected on loans
  • $0Earning assets
  • $518Long-term assets (5+ years)
  • $65,115Average Assets, year-to-date
  • $8,144Average Assets, quarterly
  • $65,953Volatile liabilities
  • $70,600Insider loans
  • $46,150FHLB advances
  • $70,900Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,183Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,948Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,490Total interest income
  • $805Total interest expense
  • $2,685Net interest income
  • $173Provision for loan and lease losses
  • $629Total noninterest income
  • $0Fiduciary activities
  • $368Service charges on deposit accounts
  • $0Trading account gains & fees
  • $261Additional noninterest income
  • $2,373Total noninterest expense
  • $1,299Salaries and employee benefits
  • $363Premises and equipment expense
  • $711Additional noninterest expense
  • $768Pre-tax net operating income
  • $0Securities gains (losses)
  • $266Applicable income taxes
  • $502Income before extraordinary items
  • $0Extraordinary gains - net
  • $502Net income attributable to bank
  • $0Net charge-offs
  • $502Cash dividends
  • $24Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.67%Yield on earning assets
  • 1.31%Cost of funding earning assets
  • 4.36%Net interest margin
  • 1.02%Noninterest income to earning assets
  • 3.86%Noninterest expense to earning assets
  • 0.76%Net operating income to assets
  • 0.76%Return on assets (ROA)
  • 1.16%Pretax return on assets
  • 9.87%Return on equity (ROE)
  • 9.87%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 720.83%Credit loss provision to net charge-offs
  • 39.21%Efficiency ratio
  • 71,605Assets per employee
  • 2.51%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.64%Loss allowance to noncurrent loans
  • 237.69%Noncurrent assets plus other real estate owned to assets
  • 0.51%Noncurrent loans to loans
  • 0.69%Net loans and leases to deposits
  • 74.13%Net loans and leases to core deposits
  • 87.33%Equity capital to assets
  • 7.62%Core capital (leverage) ratio
  • 7.31%Tier 1 risk-based capital ratio
  • 11.23%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $65,953Average earning assets
  • $5,088Average equity
  • $61,535Average loans

List of branches

  • 3 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015969Oklahoma Heritage BankMain And Ninth Streets, Roff, OK 74865May 07, 1979Full Service Brick and Mortar
    1255458Byng Branch101 N Main St, Ada, OK 74820June 04, 1984Full Service Brick and Mortar
    2429367Stratford Branch300 W Smith, Stratford, OK 74872September 22, 2003Full Service Brick and Mortar

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