Republic Bank & Trust in Norman, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Republic Bank & Trust in Norman, Oklahoma (OK)
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Republic Bank & Trust - Overview

  • General
  • FDIC Certificate #: 27286
    Status: Active
    Federal Reserve ID: 1198605
    Bank Holding Company (Regulatory Top Holder): Ironhorse Financial Group, Inc. (RSSDID: 3488485, Location: Muskogee, OK)
    Date Established: June 30, 1988
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 9532
    FDIC's unique #: 39430
    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: June 30, 1988
    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: 3510 West Robinson, Norman, OK 73069
    County: Cleveland
    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: $413.2 mil
    Equity capital: $34.5 mil
    Deposits held in domestic offices: $377.7 mil
    Return on assets (ROA): 1.71% ($7.1 mil)
    Quarterly return on assets: 1.54% ($6.4 mil)
    Return on Equity (ROE): 19.33% ($6.8 mil)
    Quarterly return on equity: 17.87% ($6.3 mil)
    Net income: $6.1 mil
    Quarterly Net income: $1.5 mil
    Pretax return on assets: 1.71% ($7,065.6 mil)
    Quarterly Pretax return on assets: 1.54% ($6,363.1 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
  • 126Total employees (full-time equivalent)
  • $413,191Total assets
  • $93,705Cash and due from depository institutions
  • $81,445Interest-bearing balances
  • $63,540Securities
  • $100Federal funds sold & reverse repurchase agreements
  • $231,567Net loans & leases
  • $3,581Loan loss allowance
  • $0Trading account assets
  • $17,269Bank premises and fixed assets
  • $2,140Other real estate owned
  • $33Goodwill and other intangibles
  • $413,191Life insurance assets
  • $4,837All other assets
  • $378,641Total liabilities and capital
  • $377,657Total liabilities
  • $228,913Total deposits
  • $377,657Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $984Subordinated debt
  • $34,550All other liabilities
  • $34,550Total equity capital
  • $34,550Total bank equity capital
  • $0Perpetual preferred stock
  • $750Common stock
  • $7,762Surplus
  • $26,038Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $5,921Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,152Income earned, not collected on loans
  • $120Earning assets
  • $1,514Long-term assets (5+ years)
  • $376,652Average Assets, year-to-date
  • $78,146Average Assets, quarterly
  • $358,630Volatile liabilities
  • $392,257Insider loans
  • $270,951FHLB advances
  • $380,783Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $32,908Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $42,084Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $16,658Total interest income
  • $2,001Total interest expense
  • $14,657Net interest income
  • $675Provision for loan and lease losses
  • $6,754Total noninterest income
  • $1Fiduciary activities
  • $1,532Service charges on deposit accounts
  • $0Trading account gains & fees
  • $5,221Additional noninterest income
  • $14,644Total noninterest expense
  • $7,789Salaries and employee benefits
  • $1,375Premises and equipment expense
  • $5,480Additional noninterest expense
  • $6,092Pre-tax net operating income
  • $41Securities gains (losses)
  • $0Applicable income taxes
  • $6,133Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,133Net income attributable to bank
  • $0Net charge-offs
  • $6,133Cash dividends
  • $193Sale, conversion, retirement of capital stock, net
  • $4,074Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.08%Yield on earning assets
  • 0.61%Cost of funding earning assets
  • 4.47%Net interest margin
  • 2.06%Noninterest income to earning assets
  • 4.47%Noninterest expense to earning assets
  • 1.70%Net operating income to assets
  • 1.71%Return on assets (ROA)
  • 1.71%Pretax return on assets
  • 19.33%Return on equity (ROE)
  • 6.49%Retained earnings to average equity (YTD only)
  • 0.08%Net charge-offs to loans
  • 349.74%Credit loss provision to net charge-offs
  • 35.06%Efficiency ratio
  • 68,395Assets per employee
  • 3.28%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 66.43%Loss allowance to loans
  • 1.52%Loss allowance to noncurrent loans
  • 113.61%Noncurrent assets plus other real estate owned to assets
  • 1.28%Noncurrent loans to loans
  • 1.34%Net loans and leases to deposits
  • 61.32%Net loans and leases to core deposits
  • 68.33%Equity capital to assets
  • 8.36%Core capital (leverage) ratio
  • 8.64%Tier 1 risk-based capital ratio
  • 12.15%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $358,630Average earning assets
  • $31,732Average equity
  • $327,755Average 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
  • $7,392Managed Assets
  • 1Number of Accounts
  • $6,638Personal trust and agency accounts
  • $5,905Employee benefit-defined contribution accounts
  • $147Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $92Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $494Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 17Number of Accounts
  • $0Personal trust and agency accounts
  • $92Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $754Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 5 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    039430Republic Bank & Trust3510 West Robinson, Norman, OK 73069June 30, 1988Full Service Brick and Mortar
    3270222Norman Branch1200 East Lindsey Street, Norman, OK 73071January 01, 1907Full Service Brick and Mortar
    4261509West Main Branch401 West Main, Norman, OK 73069May 22, 1992Full Service Brick and Mortar
    5448929Noble Oklahoma Branch805 North Main Street, Noble, OK 73068January 09, 2006Full Service Brick and Mortar
    6477937S. Western Branch11801 S. Western, Suite B, Oklahoma City, OK 73170June 23, 2008Full Service Brick and Mortar

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