FDIC Certificate #: 34098 Status: Active Federal Reserve ID: 2371508 Bank Holding Company (Regulatory Top Holder): Cache Holdings, Inc. (RSSDID: 3937488, Location: Broken Arrow, OK) Date Established: December 04, 1995 WWW:http://www.patriotbankok.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 11880 FDIC's unique #: 56238 Numeric code: 13 Regulator: FED 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: December 04, 1995 Last Structure Change Effective Date: October 17, 2009 Last Structure Change Process Date: October 21, 2009 Last Data Update: October 21, 2009 Data Source Date: April 05, 2012
Location
Address: 1650 South Elm Place, Broken Arrow, OK 74012 County: Tulsa 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 Metropolitan Statistical Area (MSA): Tulsa, OK (#8560) Combined Statistical Area (CSA): Tulsa-Bartlesville, OK (#538) Core Based Statistical Area (CBSA): Tulsa, OK (#46140) CBSA Metro Statistical Area: Tulsa, OK (#46140)
History of Changes
Corrections
Name Change
Financial Summary
Total assets: $84.9 mil Equity capital: $11.7 mil Deposits held in domestic offices: $72.3 mil Return on assets (ROA): 0.53% ($0.5 mil) Quarterly return on assets: 0.71% ($0.6 mil) Return on Equity (ROE): 3.53% ($0.4 mil) Quarterly return on equity: 5.11% ($0.6 mil) Net income: $0.4 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.53% ($449.8 mil) Quarterly Pretax return on assets: 0.71% ($602.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
14Total employees (full-time equivalent)
$84,874Total assets
$9,848Cash and due from depository institutions
$8,820Interest-bearing balances
$3,931Securities
$602Federal funds sold & reverse repurchase agreements
$64,034Net loans & leases
$1,010Loan loss allowance
$0Trading account assets
$2,665Bank premises and fixed assets
$0Other real estate owned
$2,867Goodwill and other intangibles
$84,874Life insurance assets
$927All other assets
$73,221Total liabilities and capital
$72,285Total liabilities
$68,896Total deposits
$72,285Interest-bearing deposits
$65Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$600Trading liabilities
$0Other borrowed funds
$336Subordinated debt
$11,653All other liabilities
$11,653Total equity capital
$11,653Total bank equity capital
$0Perpetual preferred stock
$1,375Common stock
$11,155Surplus
$-877Undivided profits
Memoranda
$0Noncurrent loans and leases
$11,009Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$454Income earned, not collected on loans
$0Earning assets
$198Long-term assets (5+ years)
$77,387Average Assets, year-to-date
$3,803Average Assets, quarterly
$70,518Volatile liabilities
$80,374Insider loans
$61,880FHLB advances
$79,246Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$8,662Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4,690Restructured Loans and leases
$5,276Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,130Total interest income
$643Total interest expense
$2,487Net interest income
$180Provision for loan and lease losses
$147Total noninterest income
$0Fiduciary activities
$76Service charges on deposit accounts
$0Trading account gains & fees
$71Additional noninterest income
$2,079Total noninterest expense
$1,207Salaries and employee benefits
$260Premises and equipment expense
$612Additional noninterest expense
$375Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$375Income before extraordinary items
$0Extraordinary gains - net
$375Net income attributable to bank
$0Net charge-offs
$375Cash dividends
$131Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.90%Yield on earning assets
1.01%Cost of funding earning assets
3.90%Net interest margin
0.23%Noninterest income to earning assets
3.26%Noninterest expense to earning assets
0.53%Net operating income to assets
0.53%Return on assets (ROA)
0.53%Pretax return on assets
3.53%Return on equity (ROE)
3.53%Retained earnings to average equity (YTD only)
0.26%Net charge-offs to loans
137.40%Credit loss provision to net charge-offs
4.24%Efficiency ratio
78,929Assets per employee
6.06%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.55%Loss allowance to noncurrent loans
222.47%Noncurrent assets plus other real estate owned to assets
0.53%Noncurrent loans to loans
0.70%Net loans and leases to deposits
88.59%Net loans and leases to core deposits
96.67%Equity capital to assets
13.73%Core capital (leverage) ratio
10.93%Tier 1 risk-based capital ratio
14.00%Total risk-based capital ratio
Memoranda
$15Average assets
$70,518Average earning assets
$10,613Average equity
$63,851Average loans
List of branches
1 Oklahoma Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
56238
Patriot Bank
1650 South Elm Place, Broken Arrow, OK 74012
December 04, 1995
Full Service Brick and Mortar
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