The Bank of the West in Thomas, Oklahoma (OK)



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The Bank of the West routing number info

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The Bank of the West
GeneralFDIC Certificate #: 25703
Status: Active
Federal Reserve ID: 401755
Bank Holding Company (Regulatory Top Holder): Bancwest, Inc. (RSSDID: 1993547, Location: Thomas, OK)
Date Established: October 19, 1984
WWW: http://www.thebankofthewest.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
OTS Docket #: 17589
FDIC's unique #: 17587
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: October 19, 1984
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
LocationAddress: 101 South Main, Thomas, OK 73669
County: Custer
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
Core Based Statistical Area (CBSA): Weatherford, OK (#48220)
CBSA Micro Statistical Area: Yes
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $133.2 mil
Equity capital: $14.3 mil
Deposits held in domestic offices: $118.5 mil
Return on assets (ROA): 1.82% ($2.4 mil)
Quarterly return on assets: 2.02% ($2.7 mil)
Return on Equity (ROE): 17.60% ($2.5 mil)
Quarterly return on equity: 18.82% ($2.6 mil)
Net income: $2.5 mil
Quarterly Net income: $0.7 mil
Pretax return on assets: 1.82% ($2,423.9 mil)
Quarterly Pretax return on assets: 2.02% ($2,690.2 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)
Total employees (full-time equivalent)27
Total assets$133,180
Cash and due from depository institutions$21,437
Interest-bearing balances$18,604
Securities$0
Federal funds sold & reverse repurchase agreements$4,290
Net loans & leases$103,880
Loan loss allowance $1,352
Trading account assets$0
Bank premises and fixed assets$1,466
Other real estate owned$615
Goodwill and other intangibles$0
All other assets$1,492
Life insurance assets$133,180
Total liabilities and capital$118,861
Total liabilities$118,461
Total deposits$88,477
Interest-bearing deposits$118,461
Deposits held in domestic offices$93
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $400
All other liabilities $14,319
Total equity capital$14,319
Total bank equity capital$14,319
Perpetual preferred stock$0
Common stock$650
Surplus$5,539
Undivided profits $8,130
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $513
Earning assets $0
Long-term assets (5+ years) $708
Average Assets, year-to-date $126,774
Average Assets, quarterly $9,219
Volatile liabilities $136,348
Insider loans $132,540
FHLB advances $105,091
Loans and leases held for sale $138,042
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $14,319
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $19,347
Derivatives$0
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $6,822
Total interest expense $933
Net interest income $5,889
Provision for loan and lease losses $180
Total noninterest income $267
Fiduciary activities $0
Service charges on deposit accounts $207
Trading account gains & fees $0
Additional noninterest income $60
Total noninterest expense $3,493
Salaries and employee benefits $1,363
Premises and equipment expense $370
Additional noninterest expense $1,760
Pre-tax net operating income $2,483
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $2,483
Extraordinary gains - net $0
Net income attributable to bank $2,483
Net charge-offs $0
Cash dividends $2,483
Sale, conversion, retirement of capital stock, net $305
Net operating income $2,085
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.28%
Cost of funding earning assets 0.72%
Net interest margin 4.55%
Noninterest income to earning assets 0.21%
Noninterest expense to earning assets 2.70%
Net operating income to assets 1.82%
Return on assets (ROA) 1.82%
Pretax return on assets 1.82%
Return on equity (ROE) 17.60%
Retained earnings to average equity (YTD only) 2.82%
Net charge-offs to loans 0.28%
Credit loss provision to net charge-offs 59.02%
Efficiency ratio8.73%
Assets per employee$56,741
Cash dividends to net income (YTD only)4.93%
Condition Ratios (%)
Loss allowance to loans 83.97%
Loss allowance to noncurrent loans 1.28%
Noncurrent assets plus other real estate owned to assets 263.55%
Noncurrent loans to loans 0.85%
Net loans and leases to deposits0.49%
Net loans and leases to core deposits 87.69%
Equity capital to assets 98.36%
Core capital (leverage) ratio 10.75%
Tier 1 risk-based capital ratio 10.37%
Total risk-based capital ratio 13.63%
Memoranda
Average assets$15
Average earning assets$136,348
Average equity $14,105
Average loans $129,297
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4 Oklahoma Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
017587The Bank Of The West101 South Main, Thomas, OK 73669October 19, 1984Full Service Brick and Mortar
116956Wheatland Plaza BranchOne Wheatland Plaza, Clinton, OK 73601Febuary 17, 1983Full Service Brick and Mortar
22697401 South Main Street Branch401 South Main Street, Leedey, OK 73654Febuary 08, 1905Full Service Brick and Mortar
33645234801 Gaillardia, Suite 190 Branch4801 Gaillardia, Suite 190, Oklahoma City, OK 73142September 03, 2001Full Service Brick and Mortar
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