Triad Bank, National Association in Tulsa, Oklahoma (OK)
| Triad Bank, National Association | |
|---|---|
| General | FDIC Certificate #: 24677 Status: Active Federal Reserve ID: 283652 Bank Holding Company (Regulatory Top Holder): Triad Bancshares, Inc. (RSSDID: 1129690, Location: Tulsa, OK) Date Established: August 29, 1983 WWW: http://www.triadbank.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 #: 10888 FDIC's unique #: 17132 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: August 29, 1983 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: 766 East 61st Street, Suite 150, Tulsa, OK 74135 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 | Merge BIF and SAIF Funds into DIF |
| Financial Summary | Total assets: $148.8 mil Equity capital: $14.6 mil Deposits held in domestic offices: $127.6 mil Return on assets (ROA): 1.18% ($1.8 mil) Quarterly return on assets: 1.40% ($2.1 mil) Return on Equity (ROE): 12.22% ($1.8 mil) Quarterly return on equity: 14.68% ($2.2 mil) Net income: $1.8 mil Quarterly Net income: $0.5 mil Pretax return on assets: 1.18% ($1,756.0 mil) Quarterly Pretax return on assets: 1.40% ($2,083.4 mil) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 31 |
| Total assets | $148,814 |
| Cash and due from depository institutions | $4,875 |
| Interest-bearing balances | $2,958 |
| Securities | $3,272 |
| Federal funds sold & reverse repurchase agreements | $5,982 |
| Net loans & leases | $126,674 |
| Loan loss allowance | $1,786 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $3,464 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $311 |
| All other assets | $4,236 |
| Life insurance assets | $148,814 |
| Total liabilities and capital | $134,242 |
| Total liabilities | $127,562 |
| Total deposits | $91,143 |
| Interest-bearing deposits | $127,562 |
| Deposits held in domestic offices | $84 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $6,402 |
| Other borrowed funds | $0 |
| Subordinated debt | $278 |
| All other liabilities | $14,572 |
| Total equity capital | $14,572 |
| Total bank equity capital | $14,572 |
| Perpetual preferred stock | $0 |
| Common stock | $1,000 |
| Surplus | $4,169 |
| Undivided profits | $9,403 |
| 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 | $17,429 |
| Earning assets | $17,012 |
| Long-term assets (5+ years) | $2,323 |
| Average Assets, year-to-date | $138,886 |
| Average Assets, quarterly | $27,570 |
| Volatile liabilities | $150,945 |
| Insider loans | $153,483 |
| FHLB advances | $106,456 |
| Loans and leases held for sale | $153,114 |
| Unused loan commitments | $0 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $14,022 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $10,215 |
| Derivatives | $3,458 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $6,674 |
| Total interest expense | $1,322 |
| Net interest income | $5,352 |
| Provision for loan and lease losses | $360 |
| Total noninterest income | $394 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $101 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $293 |
| Total noninterest expense | $3,610 |
| Salaries and employee benefits | $1,587 |
| Premises and equipment expense | $571 |
| Additional noninterest expense | $1,452 |
| Pre-tax net operating income | $1,776 |
| Securities gains (losses) | $0 |
| Applicable income taxes | $0 |
| Income before extraordinary items | $1,776 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $1,776 |
| Net charge-offs | $0 |
| Cash dividends | $1,776 |
| Sale, conversion, retirement of capital stock, net | $11 |
| Net operating income | $1,421 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.75% |
| Cost of funding earning assets | 0.94% |
| Net interest margin | 3.81% |
| Noninterest income to earning assets | 0.28% |
| Noninterest expense to earning assets | 2.57% |
| Net operating income to assets | 1.18% |
| Return on assets (ROA) | 1.18% |
| Pretax return on assets | 1.18% |
| Return on equity (ROE) | 12.22% |
| Retained earnings to average equity (YTD only) | 2.44% |
| Net charge-offs to loans | 0.01% |
| Credit loss provision to net charge-offs | 3272.73% |
| Efficiency ratio | 194.18% |
| Assets per employee | $62,826 |
| Cash dividends to net income (YTD only) | 4.80% |
| Condition Ratios (%) | |
| Loss allowance to loans | 80.01% |
| Loss allowance to noncurrent loans | 1.39% |
| Noncurrent assets plus other real estate owned to assets | 10.25% |
| Noncurrent loans to loans | 11.71% |
| Net loans and leases to deposits | 13.57% |
| Net loans and leases to core deposits | 99.30% |
| Equity capital to assets | 125.31% |
| Core capital (leverage) ratio | 9.79% |
| Tier 1 risk-based capital ratio | 9.16% |
| Total risk-based capital ratio | 13.17% |
| Memoranda | |
| Average assets | $14 |
| Average earning assets | $150,945 |
| Average equity | $14,536 |
| Average loans | $140,557 |
| 2 Oklahoma Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 17132 | Triad Bank, National Association | 766 East 61st Street, Suite 150, Tulsa, OK 74135 | August 29, 1983 | Full Service Brick and Mortar |  |
| 1 | 257579 | Souther Hills Branch | 5951 S Lewis, Tulsa, OK 74105 | June 29, 1987 | Full Service Brick and Mortar |  |
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