Quail Creek Bank, National Association in Oklahoma City, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Quail Creek Bank, National Association in Oklahoma City, Oklahoma (OK)
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Quail Creek Bank, National Association - Overview

  • General
  • FDIC Certificate #: 21848
    Status: Active
    Federal Reserve ID: 507152
    Bank Holding Company (Regulatory Top Holder): Quail Creek Bancshares, Inc. (RSSDID: 1057962, Location: Oklahoma City, OK)
    Date Established: December 04, 1974
    WWW: http://www.quailcreekbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 10048
    FDIC's unique #: 15137
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: December 04, 1974
    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: 12201 North May Avenue, Oklahoma City, OK 73120
    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: $468.3 mil
    Equity capital: $45.9 mil
    Deposits held in domestic offices: $412.9 mil
    Return on assets (ROA): 2.28% ($10.7 mil)
    Quarterly return on assets: 2.06% ($9.6 mil)
    Return on Equity (ROE): 24.28% ($11.2 mil)
    Quarterly return on equity: 21.41% ($9.8 mil)
    Net income: $10.4 mil
    Quarterly Net income: $2.4 mil
    Pretax return on assets: 2.28% ($10,677.7 mil)
    Quarterly Pretax return on assets: 2.06% ($9,647.4 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
  • 74Total employees (full-time equivalent)
  • $468,320Total assets
  • $47,525Cash and due from depository institutions
  • $43,493Interest-bearing balances
  • $40,061Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $373,578Net loans & leases
  • $5,275Loan loss allowance
  • $0Trading account assets
  • $1,789Bank premises and fixed assets
  • $26Other real estate owned
  • $0Goodwill and other intangibles
  • $468,320Life insurance assets
  • $5,341All other assets
  • $422,428Total liabilities and capital
  • $412,950Total liabilities
  • $375,847Total deposits
  • $412,950Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,587Trading liabilities
  • $0Other borrowed funds
  • $1,891Subordinated debt
  • $45,892All other liabilities
  • $45,892Total equity capital
  • $45,892Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $2,275Surplus
  • $42,617Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,237Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,701Income earned, not collected on loans
  • $0Earning assets
  • $1,568Long-term assets (5+ years)
  • $457,132Average Assets, year-to-date
  • $57,995Average Assets, quarterly
  • $456,715Volatile liabilities
  • $462,496Insider loans
  • $363,689FHLB advances
  • $463,961Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $44,443Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $29,144Restructured Loans and leases
  • $944Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $24,587Total interest income
  • $3,222Total interest expense
  • $21,365Net interest income
  • $2,000Provision for loan and lease losses
  • $1,474Total noninterest income
  • $0Fiduciary activities
  • $474Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,000Additional noninterest income
  • $10,418Total noninterest expense
  • $6,818Salaries and employee benefits
  • $763Premises and equipment expense
  • $2,837Additional noninterest expense
  • $10,421Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $10,421Income before extraordinary items
  • $0Extraordinary gains - net
  • $10,421Net income attributable to bank
  • $0Net charge-offs
  • $10,421Cash dividends
  • $903Sale, conversion, retirement of capital stock, net
  • $7,079Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.52%Yield on earning assets
  • 0.72%Cost of funding earning assets
  • 4.80%Net interest margin
  • 0.33%Noninterest income to earning assets
  • 2.34%Noninterest expense to earning assets
  • 2.28%Net operating income to assets
  • 2.28%Return on assets (ROA)
  • 2.28%Pretax return on assets
  • 24.28%Return on equity (ROE)
  • 7.79%Retained earnings to average equity (YTD only)
  • 0.24%Net charge-offs to loans
  • 221.48%Credit loss provision to net charge-offs
  • 13.76%Efficiency ratio
  • 45,615Assets per employee
  • 6.33%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 67.93%Loss allowance to loans
  • 1.39%Loss allowance to noncurrent loans
  • 142.53%Noncurrent assets plus other real estate owned to assets
  • 0.80%Noncurrent loans to loans
  • 0.98%Net loans and leases to deposits
  • 90.47%Net loans and leases to core deposits
  • 100.57%Equity capital to assets
  • 9.80%Core capital (leverage) ratio
  • 9.58%Tier 1 risk-based capital ratio
  • 12.22%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $456,715Average earning assets
  • $42,923Average equity
  • $445,230Average loans

List of branches

  • 2 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015137Quail Creek Bank, National Association12201 North May Avenue, Oklahoma City, OK 73120December 04, 1974Full Service Brick and Mortar
    135904712201 North May Avenue Branch12201 North May Avenue, Oklahoma City, OK 73120January 02, 2001Full Service Cyber

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