The Bankers Bank in Oklahoma City, Oklahoma (OK), TX



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The Bankers Bank
GeneralFDIC Certificate #: 26677
Status: Active
Federal Reserve ID: 859655
Bank Holding Company (Regulatory Top Holder): Bankers Bancorp Of Oklahoma, Inc. (RSSDID: 1138209, Location: Oklahoma City, OK)
Date Established: May 28, 1986
WWW: http://www.thebankersbank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 2 (Domestic: 2, Interstate: Yes)
OTS Docket #: 11705
FDIC's unique #: 35692
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: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: May 28, 1986
Last Structure Change Effective Date: August 10, 2009
Last Structure Change Process Date: October 06, 2009
Last Data Update: October 06, 2009
Data Source Date: April 05, 2012
LocationAddress: 9020 North May Avenue, Suite 200, 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 ChangesChange in Location
Financial SummaryTotal assets: $190.2 mil
Equity capital: $26.5 mil
Deposits held in domestic offices: $120.4 mil
Return on assets (ROA): 1.07% ($2.0 mil)
Quarterly return on assets: 1.55% ($2.9 mil)
Return on Equity (ROE): 7.68% ($2.1 mil)
Quarterly return on equity: 10.61% ($2.9 mil)
Net income: $2.0 mil
Quarterly Net income: $0.7 mil
Pretax return on assets: 1.71% ($3,251.7 mil)
Quarterly Pretax return on assets: 1.55% ($2,947.5 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)57
Total assets$190,160
Cash and due from depository institutions$43,861
Interest-bearing balances$34,366
Securities$1,038
Federal funds sold & reverse repurchase agreements$32,747
Net loans & leases$96,393
Loan loss allowance $2,742
Trading account assets$0
Bank premises and fixed assets$8,869
Other real estate owned$75
Goodwill and other intangibles$0
All other assets$7,177
Life insurance assets$190,160
Total liabilities and capital$163,640
Total liabilities$120,382
Total deposits$19,430
Interest-bearing deposits$120,382
Deposits held in domestic offices$100
% insured (estimated)40427.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $2,831
All other liabilities $26,520
Total equity capital$26,520
Total bank equity capital$26,520
Perpetual preferred stock$0
Common stock$1,000
Surplus$7,839
Undivided profits $17,681
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 $1,219
Earning assets $0
Long-term assets (5+ years) $597
Average Assets, year-to-date $164,544
Average Assets, quarterly $26,552
Volatile liabilities $188,478
Insider loans $182,482
FHLB advances $126,217
Loans and leases held for sale $213,062
Unused loan commitments $2,788
Tier 1 (core) risk-based capital $2,788
Tier 2 risk-based capital $26,512
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $85,644
Derivatives$150
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,985
Total interest expense $222
Net interest income $5,763
Provision for loan and lease losses $550
Total noninterest income $10,470
Fiduciary activities $0
Service charges on deposit accounts $6,560
Trading account gains & fees $0
Additional noninterest income $3,910
Total noninterest expense $12,467
Salaries and employee benefits $4,909
Premises and equipment expense $791
Additional noninterest expense $6,767
Pre-tax net operating income $3,216
Securities gains (losses) $0
Applicable income taxes $1,199
Income before extraordinary items $2,017
Extraordinary gains - net $0
Net income attributable to bank $2,017
Net charge-offs $0
Cash dividends $2,017
Sale, conversion, retirement of capital stock, net $24
Net operating income $1,057
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.68%
Cost of funding earning assets 0.14%
Net interest margin 3.54%
Noninterest income to earning assets 6.43%
Noninterest expense to earning assets 7.66%
Net operating income to assets 1.07%
Return on assets (ROA) 1.07%
Pretax return on assets 1.71%
Return on equity (ROE) 7.68%
Retained earnings to average equity (YTD only) 3.65%
Net charge-offs to loans 0.02%
Credit loss provision to net charge-offs 2291.67%
Efficiency ratio156.92%
Assets per employee$76,800
Cash dividends to net income (YTD only)3.34%
Condition Ratios (%)
Loss allowance to loans 52.40%
Loss allowance to noncurrent loans 2.77%
Noncurrent assets plus other real estate owned to assets 224.94%
Noncurrent loans to loans 0.68%
Net loans and leases to deposits1.23%
Net loans and leases to core deposits 80.07%
Equity capital to assets 93.42%
Core capital (leverage) ratio 13.95%
Tier 1 risk-based capital ratio 12.44%
Total risk-based capital ratio 21.01%
Memoranda
Average assets$22
Average earning assets$188,478
Average equity $26,278
Average loans $162,829
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1 Oklahoma Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
035692The Bankers Bank9020 North May Avenue, Suite 200, Oklahoma City, OK 73120May 28, 1986Full Service Brick and Mortar
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1 Texas Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
1489694Texas Branch1700 Redbud Blvd, Mckinney, TX 75069March 31, 2009Full Service Brick and Mortar
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