Annual report

              Banking
Department
Annual Report
Fiscal Year Ending June 30, 2011
Mick Thompson
Commissioner On the Cover:
The Lincoln Boulevard Renaissance Project began in 1998 with the intent to relocate state agencies to less-costly state-owned facilities near the Capitol. The Oklahoma State Banking Department was the first building completed, in 2008, as part of the Renaissance Project.
The Banking Department was also one of the first state agencies to participate in the Art in Public Places Program by commissioning internationally-recognized artist Enoch Kelly Haney to create the bronze sculpture titled The Circle of Life that decorates the entrance to the building.
Our cover photo this year captures the Banking Department and Chief Haney’s sculpture at sunrise.
Photo credit: Regina Rainey
Special Thanks to:
Deron Brubaker, Rhonda Bruno, Dudley Gilbert, Sherbie Kiffin, Debbie Moore, Angela Morris, Regina Rainey, Tony Reel, Diane Ries, and Terry Slagle of the State Banking Department for the preparation and submission of the material used in this report and other contributions to the process of creating a finished product.
This publication is produced by the Oklahoma State Banking Department as authorized by the Commissioner pursuant to §212 of the Oklahoma Banking Code. An electronic copy of the Annual Report has been provided to the Oklahoma Department of Libraries and published on the State Banking Department’s website at no cost to the Oklahoma Taxpayer.
MICK THOMPSON
BANK COMMISSIONER
MARY FALLIN
GOVERNOR
STATE OF OKLAHOMA
STATE BANKING DEPARTMENT
October 1, 2011
The Honorable Mary Fallin
Governor, State of Oklahoma
Room 212, State Capitol
Oklahoma City, Oklahoma 73105
Dear Governor Fallin:
Pursuant to Title 6 O.S., Section 212 of the Oklahoma Banking Code, I am pleased to submit the State Banking Department’s 2011 Annual Report. This report contains information on the financial institutions the Department regulates as well as an update on the agency’s budget and regulatory activities during the past year.
The State Banking Department is charged with regulating all state chartered banks, credit unions, savings and loan associations, trust companies, money order companies, and money transmission licensees in the State of Oklahoma. The total assets regulated by the State Banking Department are approximately $40.25 billion.
I hope you find this report informative and should you have any questions regarding the contents of this publication, please do not hesitate to contact me.
Sincerely,
Mick Thompson
Commissioner
2900 N. LINCOLN BLVD.  OKLAHOMA CITY, OK 73105-3427  (405) 521-2782
www.ok.gov/banking  FAX (405) 522-2993 1
Department
 Mission Statement 4
 Organizational Chart 5
 Department Personnel 6
 2011 Banking Legislation 7
 Comparative Statement of Expenditures and Receipts 8
 Institutions Supervised 9
Banks
 State Banking Board 11
 Consolidated Report of Condition of Oklahoma State Chartered Banks
as of December 31, 2010 12
 Consolidated Report of Condition of Oklahoma State Chartered Banks
as of June 30, 2011 13
 Consolidated Report of Condition of Oklahoma State Chartered Banks
- Selected Performance and Condition Ratios 14
 Summary of Changes – Oklahoma State Chartered Banks –
July 1, 2010 through June 30, 2011 15
 Applications Approved by the Bank Commissioner –
July 1, 2010 through June 30, 2011 16
 Applications Approved by the State Banking Board –
July 1, 2010 through June 30, 2011 20
 Oklahoma State Chartered Banks 22
 Oklahoma State Chartered Banks with Branch Offices 28
2
Credit Unions
 State Credit Union Board 34
 Consolidated Report of Condition of Oklahoma State Chartered Credit
Unions as of December 31, 2010 35
 Consolidated Report of Condition of Oklahoma State Chartered Credit
Unions as of June 30, 2011 36
 Summary of Changes – Oklahoma State Chartered Credit Unions –
July 1, 2010 through June 30, 2011 37
 Oklahoma State Chartered Credit Unions 38
Trust Companies
 State Chartered Trust Companies 40
 Consolidated Report of Condition of Oklahoma State Chartered
Trust Companies as of December 31, 2010 41
 Consolidated Report of Condition of Oklahoma State Chartered
Trust Companies as of June 30, 2011 42
Savings & loans
 State Savings and Loan Advisory Council 44
 Savings and Loan Associations 45
 Consolidated Report of Condition of Oklahoma State Chartered
Savings and Loans as of December 31, 2010 46
 Consolidated Report of Condition of Oklahoma State Chartered
Savings and Loans as of June 30, 2011 47
Sale of checks
 Money Order Companies 49
Money transmission
 Money Transmission Licensees 51
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4
Mission
The mission of the State Banking Department is to allocate human and other resources to implement an effective regulatory program for financial institutions. The Department has been, and will continue to be, an advocate of financial institutions in the implementation of this program. However, our primary focus is to ensure the continuance of safe and sound financial practices in the State’s financial institutions. It would follow that the financial services offered by these sound institutions would foster economic growth and meet the public demand for these services in their communities.
How Mission is Accomplished
The Department is committed to the development of its staff through education, economic rewards, and the availability of a pleasant work environment. In that regard, the following objectives have been formulated by the Department:
To strengthen the examination program by improving examination methods and procedures and by improving research and development to stay abreast of changes within the financial industry;
To improve training programs for Department personnel by more efficient utilization of funds and resources, enhancement of internal training programs, and early detection and identification of external schools and seminars to be attended;
To improve communication among bank management, regulatory agencies, public entities, and the general public;
To acquire and maintain the required physical and human resources to allow more efficient and consistent operation; and
To improve the work environment, benefits, and morale of Department personnel in order to enhance staff motivation and satisfaction, improve productivity, and reduce turnover.
How Mission is Measured
To accomplish its mission, the Banking Department examines banks, credit unions, and savings associations, and rates them based on safety and soundness. The Department also compares trends of capital requirements and assets of prior years.
The Department can then recognize weaknesses and implement formal and informal supervisory action to ensure compliance with applicable laws and prevent the failure of a financial institution. The Department can also compare the results of each examination to evaluate the progress of each financial institution.
With respect to its supervision of money order companies and money transmitters, the Department supervises such institutions to assure they maintain adequate security (such as a surety bond) and net worth.
The Department’s supervision is directed at consumer protection and making sure that only those companies with sound business operations may conduct business in Oklahoma.
5
Governor
Banking Board
Commissioner
Deputy Commissioner
Assistant Deputy Commissioner -- Applications/ Complaints
Assistant Deputy Commissioner-- Examinations
Depository
Non-Depository
Assistant Deputy Commissioner -- Governmental/Enforcement
Director of Administration
Information Technology
Administrative Assistant
Executive Secretary
Secretary
File Clerk
Credit Union Board 6
OOffffiiccee SSttaaffff
Mick Thompson
Commissioner
Charles Griffith
Deputy Commissioner
Dudley Gilbert
Assistant Deputy Commissioner
Harold A. Reel
Assistant Deputy Commissioner
Sherbie Kiffin
Assistant Deputy Commissioner
Rhonda Bruno
Director of Administration
Regina Rainey
Administrative Assistant
Deron Brubaker
Computer Support Specialist
Angela Morris
Executive Secretary
Deborah Moore
Secretary
Diane Ries
Secretary
Zenia Fiddes
Clerk
Holly Wingfield
Clerk
EExxaammiinnaattiioonn SSttaaffff
Regional Examiners
Jeffrey Bagby
K. Paul Qualls
Examiners
Chuck Harryman
Justin Moore
Morris Wilson
Examiner Trainees
Brooke Tripp
Ashley Wilson
Senior Examiners
Wayne Arbuthnot
R. Kurt Blair
Roger Brock
Shawn Burcham
Mike Faulkenberry
Deloris Finley
Kenneth Fisher
Kandace Huston
Daryl Jones
Doyle Jones
Michael Kellum
Senior Examiners
Lance Lassiter
Carter Mathews
Jonathan Morphis
Rick Nelson
Laurie Ridgway
Donna Shaw
Terry Slagle
Melanie Sparks
Michael Truitt
Randy Willard
Gwen Wright
Randy Willard
7
The Banking Department did not seek passage of any specific legislation affecting the banking industry or the Department during the First Regular Session of the 53rd Oklahoma Legislature. However, among the laws that were passed that affect the industry and/or the Banking Department are the following:
1. SB 246 amended section 906 of the Oklahoma Banking Code (Title 6 O.S. § 906) to increase the maximum amount of deposit that may be transferred to known heirs of the deceased owner of an account. The amount was increased from $5,000 to $20,000.
2. SB 287 amended section 4-401 of the Oklahoma Uniform Commercial Code (Title 12A O.S. § 4-401) to clarify when a customer’s claim accrues against a bank with respect to item that has been paid by the bank but was not properly payable due to a forged or unauthorized endorsement. As amended, the law states that the claim accrues when the item is finally paid by the bank.
8
EXPENDITURES FY-11 FY-10
Personal Services
$4,615,922
$4,395,575 Professional Services
48,124
42,385 Travel
410,203
407,021 Equipment
57,498
15,820 Other Operating Expenses
249,601
264,058 Capital Expenditures
0
15,000
TOTAL $5,381,348 $5,139,859
RECEIPTS FY-11 FY-10
Assessments Deposited into GRF
$653,400
$619,146
Assessments and Fees Deposited into the Banking Department's Revolving Funds
- Banks
5,767,378
5,539,082 - Trust Companies
146,693
146,355 - Credit Unions
622,703
585,199 - Savings and Loan Associations
2,043
2,535 - Money Order Companies
36,940
35,610 - Money Transmitter Companies
176,300
226,502 - Cemeteries
0
60,850 - Misc. Fees
763
3,236
TOTAL ASSESSMENTS & FEES $7,406,220 $7,218,515
9
As of June 30, 2011
Type of Institutions Number of Institutions Examinations Performed 7/1/2010 to 6/30/2011
Commercial Banks*
168
62
Bank Trust Departments
- Active
22
8
- Inactive**
7
N/A
Savings and Loans
1
1
Trust Companies
9
4
Credit Unions
21
20
Money Order Companies #
22
22
Money Transmitter Companies ##
44
44
Total 294 161
*Commercial banks: 40 were independent exams and 22 joint with FDIC or Federal Reserve.
**Trust Departments endowed with trust powers which do not at present provide fiduciary supervision for any trust accounts.
# Money Order licensees submit audited financial statements at the time their license is renewed. The statements are reviewed internally along with other documentation required by statute at the time.
## Money Transmitter licensees are examined annually upon renewal of their license. The Banking Department reviews each licensee for purposes of financial safety and soundness. The Banking Department has entered into agreements with the Oklahoma Bureau of Narcotics and Dangerous Drugs Control and the Federal Department of Homeland Security to conduct investigations of agent locations for purposes of criminal conduct.
10
11
Mick Thompson, Chairman
State Bank Commissioner
Oklahoma City
Term expires September 1, 2012
David Burrage
President & CEO
FirstBank
Antlers
Term expires May 6, 2012
Chris Conn
Senior Executive Vice President
The F&M Bank & Trust Company
Tulsa
Term expires June 1, 2015
Gordon Greer
Vice Chairman
BancFirst
Tulsa
Term expires June 1, 2017
Bradley Krieger
EVP – Regional Manager
Arvest Bank
Oklahoma City
Term expires June 1, 2014
Bob Newcomb
Vice Chairman of the Board
Bank of Western Oklahoma
Elk City
Term expires June 1, 2013
Bob Weaver
Lay Member
Shawnee
Term expires June 1, 2012 12
As of December 31, 2010
Number of Banks – 171
ASSETS Thousands of Dollars
Cash and Due from Banks
3,500,592
Securities
5,790,364
Federal Funds Sold
552,566
Loans – Net of Reserve
22,875,372
Bank Premises – F&F
751,189
Other Real Estate Owned
247,625
Intangible Assets
262,902
Other Assets
928,809 TOTAL ASSETS 34,909,419
LIABILITIES Thousands of Dollars
DEPOSITS
Noninterest-bearing Deposits
6,126,228
Interest-bearing Accounts
23,657,687
TOTAL DEPOSITS
29,783,915
Federal Funds Purchased
476,141
Other Borrowed Money
937,655
Subordinated Notes and Debentures
18,750
Other Liabilities
173,070 TOTAL LIABILITIES 31,389,531
EQUITY CAPITAL Thousands of Dollars
Preferred Stock
22,000
Common Stock
137,701
Surplus
1,361,203
Undivided Profits
1,996,064
Noncontrolling Interests in Consolidated Subs.
2,920
TOTAL EQUITY CAPITAL
3,519,888 TOTAL LIABILITIES, PREFERRED STOCK AND EQUITY CAPITAL 34,909,419
12-31-2010 12-31-2009 12-31-2008 Percentage of Total Capital to Total Assets
10.08%
10.07%
9.98% Percentage of Total Capital to Total Deposits
11.82%
11.97%
12.11% Percentage of Total Loans to Total Deposits
76.80%
79.96%
82.96% Percentage of Cash Reserve to Total Deposits
11.75%
10.51%
6.53%
13
As of June 30, 2011
Number of Banks – 168
ASSETS Thousands of Dollars
Cash and Due from Banks
4,161,180
Securities
6,373,883
Federal Funds Sold
696,667
Loans – Net of Reserve
22,905,593
Bank Premises – F&F
779,268
Other Real Estate Owned
250,580
Intangible Assets
267,796
Other Assets
942,202 TOTAL ASSETS 36,377,169
LIABILITIES Thousands of Dollars
DEPOSITS
Noninterest-bearing Deposits
7,077,318
Interest-bearing Accounts
24,106,269
TOTAL DEPOSITS
31,183,587
Federal Funds Purchased
519,323
Other Borrowed Money
786,791
Subordinated Notes and Debentures
18,750
Other Liabilities
172,189 TOTAL LIABILITIES 32,680,640
EQUITY CAPITAL Thousands of Dollars
Preferred Stock
22,000
Common Stock
136,000
Surplus
1,367,088
Undivided Profits
2,168,489
Noncontrolling Interests in Consolidated Subs.
2,952
TOTAL EQUITY CAPITAL
3,696,529 TOTAL LIABILITIES, PREFERRED STOCK AND EQUITY CAPITAL 36,377,169
6-30-2011 6-30-2010 6-30-2009 Percentage of Total Capital to Total Assets
10.16%
10.32%
9.98% Percentage of Total Capital to Total Deposits
11.85%
12.20%
11.88% Percentage of Total Loans to Total Deposits
73.45%
78.23%
81.40% Percentage of Cash Reserve to Total Deposits
13.34%
10.96%
9.12%
14
Selected Performance and Condition Ratios
6-30-11 12-31-10 6-30-2010 12-31-2009 6-30-2009 12-31-2008 Number of Banks Reporting
168 171
173 174
174 174 Unprofitable Banks
3.57% 8.77%
7.51% 11.49%
8.05% 9.20% Banks with Earnings Gains
59.52% 57.31%
58.38% 44.25%
37.36% 50.57%
Yield on Earning Assets
4.89% 5.23%
5.29% 5.63%
5.73% 6.45% Net Interest Margin
4.02% 4.14%
4.14% 4.15%
4.12% 4.19% Noninterest Inc./Earning Assets
1.13% 1.19%
1.13% 1.15%
1.14% 1.18% Noninterest Exp./Earning Assets
3.42% 3.57%
3.50% 3.59%
3.54% 3.52% Net Operating Income to Assets
1.15% 1.01%
1.04% 0.92%
0.93% 1.08% Cash Dividends to Net Income
45.89% 60.85%
45.76% 80.72%
69.23% 65.63%
Return on Assets (ROA)
1.22% 1.02%
1.05% 0.93%
0.94% 1.09% Return on Equity (ROE)
12.05% 10.02%
10.27% 9.26%
9.42% 10.96%
Loan Loss Reserve to Loans
1.48% 1.46%
1.44% 1.33%
1.30% 1.23% Noncurrent Loans to Loans
1.90% 1.98%
2.08% 1.96%
1.96% 1.52% Core Capital (Leverage) Ratio
9.27% 9.29%
9.39% 9.24%
9.16% 9.21% Tier 1 Risk-Based Capital Ratio
13.37% 13.01%
12.80% 12.37%
12.06% 11.80% Total Risk-Based Capital Ratio
14.59% 14.22%
14.01% 13.52%
13.17% 12.89%
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July 1, 2010 through June 30, 2011
TOTAL STATE CHARTERED BANKS AS OF JUNE 30, 2010 173
NEW BANK CHARTERS 0
CONVERSIONS TO STATE BANKS 0
CONVERSIONS TO NATIONAL BANKS 0
ACQUISITIONS
-State Banks acquired by Other State Banks (2)
MERGERS
- State Banks merged into Other State Banks (3)
- State Banks merged into National Banks 0
-State Banks merged into Federal Savings Banks 0
TOTAL STATE CHARTERED BANKS AS OF JUNE 30, 2011 168
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July 1, 2010 through June 30, 2011
DE NOVO BRANCHES  Cornerstone Bank, Watonga, Oklahoma: branch at 2222 West Hefner Road, Oklahoma City, Oklahoma; approval date July 19, 2010  BancFirst, Oklahoma City, Oklahoma: branch at 1100 South Bryant Avenue, Edmond, Oklahoma; approval date August 2, 2010  All Nations Bank, Calumet, Oklahoma: branch at 2023 Gordon Cooper Boulevard, Shawnee, Oklahoma; approval date November 5, 2010  Summit Bank, Tulsa, Oklahoma: branch at 1001 NW 63rd Street, Oklahoma City, Oklahoma; approval date November 5, 2010  FirstBank, Antlers, Oklahoma: branch at 1501 East Jackson, Hugo, Oklahoma; approval date December 6, 2010  Bank of Commerce, Yukon, Oklahoma: branch at 120 South Mustang Road, Oklahoma City, Oklahoma; approval date March 31, 2011  Century Bank of Oklahoma, Pryor, Oklahoma: branch at 2201 East 21st Street, Tulsa, Oklahoma; approval date March 31, 2011  BancFirst, Oklahoma City, Oklahoma: branch at 410 Piedmont Road, Piedmont, Oklahoma; approval date June 8, 2011 MAIN OFFICE RELOCATIONS
 Bank of Commerce, Oklahoma City, Oklahoma: from 120 S. Mustang Road to 2500 S. Cornwell, Yukon, Oklahoma; approval date January 5, 2011
 First Capital Bank, Guthrie, Oklahoma: from 224 E. Oklahoma Avenue to 601 S. Main Street, Kingfisher, Oklahoma; approval date June 13, 2011
BRANCH RELOCATIONS  BancFirst, Oklahoma City, Oklahoma: from 2700 N. Kickapoo to 3401 N. Kickapoo, Shawnee, Oklahoma; approval date August 2, 2010  Cornerstone Bank, Watonga, Oklahoma: from 2222 W. Hefner Road to 8504 N. May Avenue, Oklahoma City, Oklahoma; approval date August 17, 2010  BancFirst, Oklahoma City, Oklahoma: from 110 N. 2nd Street to 224 N. Division Street, Guthrie, Oklahoma; approval date September 17, 2010  RCB Bank, Claremore, Oklahoma: from 2701 N. 14th Street to 2901 N. 14th Street, Ponca City, Oklahoma; approval date September 17, 2010 17
 BancFirst, Oklahoma City, Oklahoma: from 510 N. Broadway, Davenport, Oklahoma to 602 W. Main Street, Stroud, Oklahoma; approval date January 13, 2011  BancFirst, Oklahoma City, Oklahoma: from 2414 N. Westminster Road to 12924 NE 23rd Street, Nicoma Park, Oklahoma; approval date January 13, 2011  Armstrong Bank, Muskogee, Oklahoma: from 501 Harrison Street to 551 Harrison Street, Pawnee, Oklahoma; approval date January 18, 2011  BancFirst, Oklahoma City, Oklahoma: from Main Street & Highway 77, Thackerville, Oklahoma to 105 SW 2nd Street, Marietta, Oklahoma; approval date April 27, 2011 BRANCH PURCHASE AND ASSUMPTIONS
 Welch State Bank, Welch, Oklahoma: purchase and assumption of South Coffeyville, Oklahoma branch of Regent Bank, Nowata, Oklahoma; approval date October 5, 2010
 InterBank, Oklahoma City, Oklahoma: purchase and assumption of Guthrie branches and Cordell loan production office of First Capital Bank, Guthrie, Oklahoma; approval date June 13, 2011
ACQUIRED BRANCHES  RCB Bank, Claremore, Oklahoma: acquired branch at 1350 West Doolin, Blackwell, Oklahoma; approval date July 9, 2010  Welch State Bank, Welch, Oklahoma: acquired branch at 3rd and Willow Street, South Coffeyville, Oklahoma; approval date October 5, 2010  Union Bank, Oklahoma City, Oklahoma: acquired branch at 525 Morse, Stinnett, Texas; approval date December 2, 2010  Union Bank, Oklahoma City, Oklahoma: acquired branch at 531 North Deahl, Borger, Texas; approval December 2, 2010  Bank 7, Oklahoma City, Oklahoma: acquired branch at 1001 Main Street, Camargo, Oklahoma; approval January 28, 2011  InterBank, Oklahoma City, Oklahoma: acquired branch at 224 East Oklahoma, Guthrie, Oklahoma; approval June 13, 2011  InterBank, Oklahoma City, Oklahoma: acquired branch at 110 East Cleveland, Guthrie, Oklahoma; approval June 13, 2011
18
OPERATING SUBSIDIARIES
 Alva State Bank & Trust Company, Alva, Oklahoma: located at 518 College Avenue, Alva, Oklahoma (ASB Land, LLC); approval date July 28, 2010
 BancFirst, Oklahoma City, Oklahoma: located at 101 North Broadway, Oklahoma City, Oklahoma (Seattle One, LLC); approval date September 10, 2010
 BancFirst, Oklahoma City, Oklahoma: located at 101 North Broadway, Oklahoma City, Oklahoma (Seattle Two, LLC); approval date September 10, 2010
 BancFirst, Oklahoma City, Oklahoma: located at 101 North Broadway, Oklahoma City, Oklahoma (Seattle Three, LLC); approval date September 10, 2010
 First Capital Bank, Guthrie, Oklahoma: located at 224 East Oklahoma Avenue, Guthrie, Oklahoma (DPC Investments, LLC); approval date September 30, 2010
 Union Bank, Oklahoma City, Oklahoma: located at 455 Elm Street, Friona, Texas (OBS Loan Management Company, LLC); approval date December 2, 2010
 Union Bank, Oklahoma City, Oklahoma: located at 1105 North Cleveland Avenue, Friona, Texas (Friona State Agricultural Credit Corporation); approval date December 2, 2010
 The Citizens Bank of Edmond, Edmond, Oklahoma: located at One E. First Street, Edmond, Oklahoma (Citizens Holdings, LLC); approval date December 20, 2010
 First Oklahoma Bank, Tulsa, Oklahoma: located at 2448 East 81st Street, Suite 5700, Tulsa, Oklahoma (First Oklahoma Mortgage, LLC); approval date December 29, 2010
 First Bank & Trust Company, Wagoner, Oklahoma: located at 111 South Casaver Avenue, Wagoner, Oklahoma (Gunner Properties, LLC); approval date February 25, 2011
LOAN PRODUCTION/DEPOSIT PRODUCTION OFFICES  Bank of Commerce, Duncan, Oklahoma: office at 1 SW 11th Street, Suite 190, Lawton, Oklahoma; approval date July 23, 2010  Stockmans Bank, Altus, Oklahoma: office at 15455 Dallas Parkway, Addison, Texas; approval date October 1, 2010  The F&M Bank & Trust Company, Tulsa, Oklahoma: office at 14185 Dallas Parkway, Suite 140, Dallas, Texas; approval date March 28, 2011  Evolve Bank & Trust, West Memphis, Arkansas: office at 4200 East Skelly Drive, Suite 540, Tulsa, Oklahoma; approval date April 29, 2011  InterBank, Oklahoma City, Oklahoma: office at 123 East Main Street, Cordell, Oklahoma; approval date June 13, 2011 19
 The F&M Bank & Trust Company, Tulsa, Oklahoma: office at 2642 East 21st Street, Suite 170, Tulsa, Oklahoma; approval date June 17, 2011  Peoples Bank and Trust Company, Ryan, Oklahoma: office at 3060 Albert Pike, Suite D, Hot Springs, Arkansas; approval date June 24, 2011 BANK PURCHASE AND ASSUMPTIONS
 RCB Bank, Claremore, Oklahoma; purchase of assets of Home National Bank, Blackwell, Oklahoma; approval date July 9, 2010
 Union Bank, Oklahoma City, Oklahoma; purchase of assets of Texas offices of First National Bank of Borger, Borger, Texas; approval date December 2, 2010
 Peoples Bank, Tulsa, Oklahoma; purchase of assets of American State Bank, Tulsa, Oklahoma; approval date January 20, 2011
 Bank 7, Oklahoma City, Oklahoma; purchase of assets of The First State Bank in Camargo, Camargo, Oklahoma; approval date January 28, 2011
NAME CHANGES
 Union Bank, Oklahoma City, Oklahoma; corporate name change to InterBank; approval date December 1, 2010.
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July 1, 2010 through June 30, 2011
NEW BANK CHARTERS
 None
CONVERSIONS FROM NATIONAL BANKS TO STATE BANKS  None MERGERS
 Union Bank of Chandler, Chandler, Oklahoma: merger with and into BancFirst, Oklahoma City, Oklahoma; approval date October 20, 2010
 Olney Bancshares subsidiary banks (9 banks): merger with and into Union Bank, Oklahoma City, Oklahoma; approval date December 1, 2010
 Exchange National Bank of Moore, Moore, Oklahoma: merger with and into BancFirst, Oklahoma City, Oklahoma; approval date May 11, 2011
 First National Bank of Borger, Panhandle, Texas: merger with and into InterBank, Oklahoma City, Oklahoma; approval date May 11, 2011
ACQUIRED BRANCHES  BancFirst, Oklahoma City, Oklahoma: acquired branch at 1001 Manvel Avenue, Chandler, Oklahoma; approval date October 20, 2010  Union Bank, Oklahoma City, Oklahoma: acquired branch at 307 W. Main, Olney, Texas; approval date December 1, 2010  Union Bank, Oklahoma City, Oklahoma: acquired branch at 455 Elm Street, Graham, Texas; approval date December 1, 2010  Union Bank, Oklahoma City, Oklahoma: acquired branch at 1620 West Third, Elk City, Oklahoma; approval date December 1, 2010  Union Bank, Oklahoma City, Oklahoma: acquired branch at 1105 North Cleveland Avenue, Friona, Texas; approval date December 1, 2010  Union Bank, Oklahoma City, Oklahoma: acquired branch at 100 Commercial Avenue, Coleman, Texas; approval date December 1, 2010 21
 Union Bank, Oklahoma City, Oklahoma: acquired branch at 115 Main Street, Canadian, Texas; approval date December 1, 2010  Union Bank, Oklahoma City, Oklahoma: acquired branch at 301 West Walker, Breckenridge, Texas; approval date December 1, 2010  Union Bank, Oklahoma City, Oklahoma: acquired branch at 100 North Washington, Seymour, Texas; approval date December 1, 2010  BancFirst, Oklahoma City, Oklahoma: acquired branch at 600 NW 5th Street, Moore, Oklahoma; approval date May 11, 2011  InterBank, Oklahoma City, Oklahoma: acquired branch at 400 North Main, Panhandle, Texas; approval date May 11, 2011 DE NOVO BRANCHES
 None
MAIN OFFICE RELOCATIONS  None 22
June 30, 2011
Total Number of Banks - 168
Ada

Citizens Bank of Ada
Allen

Farmers State Bank, Allen, Oklahoma
Altus

Stockmans Bank
Alva

Alva State Bank & Trust Company

Community Bank
Anadarko

Anadarko Bank and Trust Company

First State Bank
Antlers

FirstBank
Ardmore

Citizens Bank and Trust Company of Ardmore
Arnett

Farmers and Merchants Bank
Atoka

AmeriState Bank
Beaver

The Bank of Beaver City

The First Security Bank
Bethany

First Bethany Bank & Trust
Bixby

Citizens Security Bank & Trust Company
Blair

Peoples State Bank
Boise City

The First State Bank
Bristow

Community Bank
Broken Arrow

AVB Bank

Patriot Bank
Broken Bow

1st Bank & Trust
Buffalo

Oklahoma State Bank
Burns Flat

Washita State Bank
C
Calumet

AllNations Bank
Canton

Community State Bank of Canton
Canute

The First State Bank
Carnegie
��
The Farmers Bank
Carney

The Carney State Bank
Chandler

First Bank of Chandler
Chelsea

Bank of Commerce
Cherokee

ACB Bank

Farmers Exchange Bank
A
c
B 23
June 30, 2011
Cheyenne

Security State Bank
Chickasha

Chickasha Bank & Trust Company
Chouteau

Bank of Commerce
(Continued)
Claremore

RCB Bank
Cleo Springs

Cleo State Bank
Cleveland

The Cleveland Bank
Clinton

First Bank and Trust Company

Oklahoma Bank and Trust Company
Collinsville

American Bank of Oklahoma
Commerce

First State Bank
Cordell

Bank of Cordell
Crescent

Farmers & Merchants Bank
Cushing

Bank of Cushing and Trust Company
Duke

Farmers & Merchants Bank
Duncan

Bank of Commerce

First Bank & Trust Co.
Durant

First United Bank and Trust Company
Edmond

The Citizens Bank of Edmond

First Commercial Bank

Kirkpatrick Bank

Prime Bank
El Reno

The Bank of Union
Elk City

Bank of Western Oklahoma
Elmore City

First State Bank
Erick

First American Bank
Eufaula

Bank of Eufaula
Fairfax

The First State Bank
Fairland

The First Bank of Fairland
Fort Cobb

Washita Valley Bank
Fort Gibson

Fort Gibson State Bank
Freedom

The Freedom State Bank
D
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June 30, 2011
Grandfield

First State Bank
Grove

Bank of Grove

Grand Savings Bank
Guthrie

First Capital Bank

Oklahoma State Bank
Guymon

Bank of the Panhandle
Hennessey

Community State Bank
Henryetta

American Exchange Bank
Hinton

Legacy Bank
Hopeton

The Hopeton State Bank
Hulbert

Bank of Cherokee County
Hydro

Bank of Hydro
Keyes

High Plains Bank
Kremlin

The Bank of Kremlin
Lamont

The State Exchange Bank
Laverne

Bank of Laverne
Lindsay

American Exchange Bank, Lindsay, Oklahoma
Locust Grove

Bank of Locust Grove
Maysville

Farmers and Merchants Bank
Medford

Grant County Bank
Miami

Security Bank and Trust Company
Morris

The Morris State Bank
Morrison

Citizens State Bank
Muskogee

Armstrong Bank
Noble

First State Bank
Norman

Great Nations Bank

Republic Bank & Trust
Nowata

Regent Bank
G
h
k
l
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June 30, 2011
Okarche

The First Bank of Okarche
Okeene

State Guaranty Bank
Okemah

The Citizens State Bank
Oklahoma City

All America Bank

BancFirst

Bank 7

Bank 2

The Bankers Bank

Coppermark Bank

First Enterprise Bank

First Liberty Bank

First Security Bank and Trust Company

Frontier State Bank

InterBank

NBC Oklahoma

Valliance Bank
Oologah

Lakeside State Bank
Owasso

First Bank of Owasso
Pawhuska

Citizens Bank of Oklahoma
Perkins

The Payne County Bank
Perry

Exchange Bank and Trust Company

First Bank & Trust Company, Perry, Oklahoma
Pond Creek

The First State Bank
Porter

The First State Bank of Porter
Poteau

The Community State Bank
Pryor

Century Bank of Oklahoma

First Pryority Bank
Purcell

First American Bank

McClain Bank
Quinton

The Farmers State Bank
o
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June 30, 2011
Roff

Oklahoma Heritage Bank
Ryan

The First State Bank

Peoples Bank and Trust Company
Salina

Lakeside Bank of Salina
Sapulpa

American Heritage Bank
Sentinel

Southwest State Bank
Skiatook

The Exchange Bank
Snyder

Bank of the Wichitas
Spencer

Advantage Bank
Spiro

Spiro State Bank
Stilwell

Bank of Commerce
Stonewall

First American Bank
Sulphur

Community Bank of the Arbuckles
Tahlequah

First State Bank
Temple

First State Bank in Temple
Thomas

The Bank of the West
Tulsa

American Bank and Trust Company

The F & M Bank & Trust Company

First Oklahoma Bank

Freedom Bank of Oklahoma

Grand Bank

ONB Bank and Trust Company

Peoples Bank

Security Bank

SpiritBank

Summit Bank
Tuttle

Sooner State Bank
Valliant

First State Bank
Verden

The Bank of Verden
Vici

Bank of Vici
Vinita

Oklahoma State Bank
r
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t
v 27
June 30, 2011
Wagoner

The American Bank

First Bank & Trust Company
Walters

Walters Bank and Trust Company
Watonga

Cornerstone Bank

First State Bank
Waynoka

First State Bank
Welch

Welch State Bank of Welch, Okla.
Westville

Peoples Bank
Wewoka

Security State Bank of Wewoka, Oklahoma
Wilburton

Latimer State Bank

Wilburton State Bank
Woodward

The Stock Exchange Bank
Wyandotte

Bank of Wyandotte
Wynnewood

The State Bank of Wynnewood
Yukon

Bank of Commerce

First State Bank
w
y 28
June 30, 2011
CITY
BANK
BRANCH LOCATION
AA
Ada

Citizens Bank of Ada
Ada (2)
Altus

Stockmans Bank
Gould, Hollis, Mangum
Alva

Alva State Bank & Trust Company
Burlington, Enid
Anadarko

Anadarko Bank and Trust Company
Anadarko, Binger

First State Bank
Gracemont
Antlers

FirstBank
Atoka, Coalgate
Ardmore

Citizens Bank and Trust Company of Ardmore
Ardmore, Dickson
Atoka

AmeriState Bank
Atoka, Texas branch in Sherman
BB
Beaver

The Bank of Beaver City
Forgan, Turpin, Kansas branch in Liberal

The First Security Bank
Beaver
Bethany

First Bethany Bank & Trust
Oklahoma City
Bixby

Citizens Security Bank & Trust Company
Bixby, Haskell, Jenks, Muskogee (2), Okmulgee, Tulsa, Wetumka
Blair

Peoples State Bank
Lawton
Broken Arrow

AVB Bank
Broken Arrow
Broken Bow

1st Bank & Trust
Broken Bow (1), Wright City
Buffalo

Oklahoma State Bank
Gage
CC
Calumet

AllNations Bank
Shawnee
Canute

The First State Bank
Oklahoma City
Chelsea

Bank of Commerce
Adair, Catoosa, Tulsa
Cherokee

ACB Bank
Garver, Waukomis

Farmers Exchange Bank
Helena, Tonkawa, Wakita
Cheyenne

Security State Bank
Hammon
Chickasha

Chickasha Bank & Trust Company
Apache, Blanchard, Cement, Tuttle
Claremore

RCB Bank
Blackwell, Broken Arrow (2), Catoosa (2), Claremore (3), Collinsville, Edmond, Inola, Oklahoma City (2), Owasso (2), Ponca City (4), Pryor (2), Skiatook
Cleo Springs

Cleo State Bank
Carmen, Jet
Clinton

Oklahoma Bank and Trust Company
Arapaho
Collinsville

American Bank of Oklahoma
Muskogee (2), Ramona, Skiatook
Crescent

Farmers & Merchants Bank
Edmond, Guthrie
Cushing

Bank of Cushing and Trust Company
Cushing 29
June 30, 2011
CITY
BANK
BRANCH LOCATION
DD
Duncan

First Bank & Trust Co.
Ardmore (3), Duncan, Healdton, Norman, Waurika
Durant

First United Bank and Trust Company
Ada (2), Bokchito, Calera, Colbert, Durant (3), Holdenville, Hugo, Madill, Oklahoma City, Pauls Valley, Sapulpa (2), Seminole, Shawnee (2), Tecumseh, Wewoka; Texas branches in Denton (4), Krum, McKinney, Sanger
EE
Edmond

The Citizens Bank of Edmond
Edmond (3)

First Commercial Bank
Norman, Oklahoma City (4), Colorado branches in Colorado Springs, Englewood, Littleton, Lone Tree

Kirkpatrick Bank
Edmond (2), Oklahoma City; Colorado branch in Colorado Springs
El Reno

The Bank of Union
Union City
Elk City

Bank of Western Oklahoma
Cordell, Geary, Vici, Weatherford, Woodward
FF
Fairfax

The First State Bank
Ralston
GG
Grandfield

First State Bank
Davidson
Grove

Grand Savings Bank
Jay (2)
Guthrie

Oklahoma State Bank
Coyle, Edmond, Mulhall
HH
Hennessey

Community State Bank
Cashion, Dover
Hinton

Legacy Bank
Binger, Blanchard, Duncan, Edmond, Elk City, Marlow, Newcastle, Oklahoma City, Weatherford
Hulbert

Bank of Cherokee County
Park Hill, Tahlequah
Hydro

Bank of Hydro
Eakly
KK
Keyes

High Plains Bank
Alva, Boise City, Cordell
Kremlin

The Bank of Kremlin
Drummond, Enid (2), Goltry
30
June 30, 2011
CITY
BANK
BRANCH LOCATION
MM
Miami

Security Bank and Trust Company
Miami
Morrison

Citizens State Bank
Stillwater (2)
Muskogee

Armstrong Bank
Bartlesville, Checotah, Dewey, Fort Gibson, Gore, Keys, Muldrow, Muskogee (2), Park Hill, Pawnee, Stilwell, Tahlequah (2), Vian, Wagoner, Warner
NN
Noble

First State Bank
Norman
Norman

Republic Bank & Trust
Norman (2), Oklahoma City
Nowata

Regent Bank
Nowata, South Coffeyville, Tulsa
OO
Okemah

The Citizens State Bank
Paden
Oklahoma City

All America Bank
Mustang

BancFirst
Ardmore (2), Bartlesville, Blackwell (2), Chandler, Chattanooga, Coweta, Davenport, Del City, Duncan (3), Frederick (2), Glenpool, Guthrie (2), Harrah, Hobart (2), Hugo, Jenks, Jones, Kingfisher (2), Kingston, Konawa, Lawton (4), Lone Wolf, Madill, Marietta (2), Marlow (2), McAlester (2), McLoud, Meeker, Moore, Muskogee (3), Nicoma Park (2), Norman (3), Oklahoma City (14), Prague, Sand Springs (2), Seminole (2), Shawnee (3), Stillwater (4), Stratford, Stroud, Sulphur, Tahlequah (3), Tecumseh, Thackerville, Tishomingo, Tulsa (6), Weatherford

Bank 7
Camargo, Medford, Woodward (2)

The Bankers Bank
Texas branch in McKinney

Coppermark Bank
Edmond, Norman, Oklahoma City (4); Texas branches in Dallas (2)

First Enterprise Bank
Oklahoma City (3)
31
June 30, 2011
CITY
BANK
BRANCH LOCATION
Oklahoma City (Cont’d)

InterBank
Clinton, Edmond (2), El Reno (2), Elk City, Enid, Hennessey, Hobart, Kingfisher (2), Oklahoma City (4), Sayre; Texas branches in Borger, Breckenridge, Canadian, Childress, Coleman, Follett, Friona, Graham, Olney, Panhandle, Seymour, Stinnett, Vega

NBC Oklahoma
Altus (4), Duncan, Enid, Kingfisher, Oklahoma City, Tulsa

Valliance Bank
Norman
Oologah

Lakeside State Bank
Chelsea
Owasso

First Bank of Owasso
Owasso (2)
PP
Perry

Exchange Bank and Trust Company
Stillwater

First Bank & Trust Company, Perry, Oklahoma
Billings, Covington
Pond Creek

The First State Bank
Enid
Porter

The First State Bank of Porter
Locust Grove
Poteau

The Community State Bank
Poteau, Spiro, Talihina, Wister
Pryor

Century Bank of Oklahoma
Pryor, Tulsa
Purcell

First American Bank
Garber, Maysville, Moore, Newcastle, Norman (2), Oklahoma City, Taloga, Woodward

McClain Bank
Lexington, Noble, Norman, Purcell
QQ
Quinton

The Farmers State Bank
Red Oak, Stigler
RR
Roff

Oklahoma Heritage Bank
Byng
SS
Sapulpa

American Heritage Bank
Beggs, Cleveland, Glenpool, Kiefer, Kellyville, Mannford, Mounds, Sand Springs (2), Sapulpa, Tulsa (2), Yale
Skiatook

The Exchange Bank
Owasso, Sperry
Snyder

Bank of the Wichitas
Cache, Elgin
Spencer

Advantage Bank
Midwest City
Spiro

Spiro State Bank
Talihina
Sulphur

Community Bank of the Arbuckles
Davis 32
June 30, 2011
CITY
BANK
BRANCH LOCATION
TT
Tahlequah

First State Bank
Keys
Thomas

The Bank of the West
Clinton, Leedey, Oklahoma City
Tulsa

American Bank and Trust Company
Tulsa

The F & M Bank & Trust Company
Owasso, Tulsa (6)

First Oklahoma Bank
Glencoe, Tulsa

Grand Bank
Bixby, Claremore

ONB Bank and Trust Company
Edmond, Owasso, Sapulpa, Stillwater, Tulsa (3)

Peoples Bank
Tulsa

SpiritBank
Bristow, Cushing, Depew, Drumright, Edmond (1), Oilton, Oklahoma City, Sapulpa, Stillwater, Stroud, Tulsa (3)
Tuttle

Sooner State Bank
Konawa, Newcastle, The Village
VV
Vinita

Oklahoma State Bank
Afton, Langley
WW
Wagoner

First Bank & Trust Company
Disney, Grove, Ketchum, Luther
Watonga

Cornerstone Bank
Geary, Mustang, Oklahoma City, Watonga
Welch

Welch State Bank of Welch, Okla.
Miami
Westville

Peoples Bank
Arkansas branch in West Siloam Springs
Wilburton

Wilburton State Bank
Wilburton
Woodward

The Stock Exchange Bank
Woodward (2)
yy
Yukon

Bank of Commerce
El Reno, Mustang, Yukon
33
34
Mick Thompson
State Bank Commissioner
Oklahoma City
Term expires September 1, 2012
Floyd Atha
President & CEO
Oklahoma Educators Credit Union
Oklahoma City
Term expires October 1, 2013
Mark W. Kelly
President & CEO
Oklahoma Employees Credit Union
Oklahoma City
Term expires October 1, 2014
Richard Forshee
Attorney
Williams, Box, Forshee, & Bullard
Oklahoma City
Term expires October 11, 2012
Leslie Rector
President & CEO
Tulsa Teachers Credit Union
Tulsa
Term expires October 11, 2011 35
As of December 31, 2010
Number of Credit Unions – 21
Corporate Credit Unions – None
ASSETS Thousands of Dollars
Cash, Cash Equivalents and Cash on Deposit
200,148
Total Loans
1,989,675
Loans Held for Sale
3,239
Less: Allowance for Loan Losses
(20,638)
Total Investments (Market Value, AFS only)
1,364,184
Land & Building (Net of Depreciation)
87,582
Other Fixed Assets
11,111
Other Real Estate Owned
8,121
Share Insurance Capitalization Deposit
28,923
Other Assets (including Share Insurance Fund)
41,293 TOTAL ASSETS 3,713,638
LIABILITIES Thousands of Dollars
Total Borrowings
220,914
Dividend/Interest Payable
811
Accounts Payable and Other Liabilities
36,379
TOTAL LIABILITIES
258,104 TOTAL SHARES AND DEPOSITS 3,044,900
EQUITY Thousands of Dollars
Regular Reserves
72,301
Plus: Unrealized Gain on AFS Securities
16,372
Other Reserves and Miscellaneous Equity
5,149
Reserve for Nonconforming Investments
0
Undivided Earnings (including YTD Net Income)
316,812
TOTAL EQUITY
410,634 TOTAL LIABILITIES, SHARES, AND EQUITY 3,713,638
36
As of June 30, 2011
Number of Credit Unions – 21
Corporate Credit Unions – None
ASSETS Thousands of Dollars
Cash, Cash Equivalents and Cash on Deposit
210,095
Total Loans
2,052,221
Loans Held for Sale
1,072
Less: Allowance for Loan Losses
(22,200)
Total Investments (Market Value, AFS only)
1,457,252
Land & Building (Net of Depreciation)
90,007
Other Fixed Assets
9,797
Other Real Estate Owned
8,425
Share Insurance Capitalization Deposit
29,588
Other Assets (including Share Insurance Fund)
40,776 TOTAL ASSETS 3,877,033
LIABILITIES Thousands of Dollars
Total Borrowings
221,859
Dividend/Interest Payable
725
Accounts Payable and Other Liabilities
51,739
TOTAL LIABILITIES
274,323 TOTAL SHARES AND DEPOSITS 3,174,461
EQUITY Thousands of Dollars
Regular Reserves
69,233
Plus: Unrealized Gain on AFS Securities
20,622
Other Reserves and Miscellaneous Equity
5,553
Reserve for Nonconforming Investments
0
Undivided Earnings (including YTD Net Income)
332,841
TOTAL EQUITY
428,249 TOTAL LIABILITIES, SHARES AND EQUITY 3,877,033 .
37
July 1, 2010 through June 30, 2011
CONVERSIONS
 None
MERGERS  Tulsa Metro Federal Credit Union, Tulsa, Oklahoma: merged with and into Fraternal Order of Police Credit Union, Tulsa, Oklahoma, effective May 1, 2011.
38
June 30, 2011
Number Of Credit Unions - 21
Ada  Ada Federal Employees Credit Union
 East Central Credit Union
Anadarko  Cooperative Employees Credit Union
El Reno  El Reno RIL Credit Union
McAlester  McAlester Credit Union
Midwest City  Midwest City Credit Union
Oklahoma City  Allegiance Credit Union
 Credit Union One Of Oklahoma
 FAA Credit Union
 ME/CU
 Oklahoma Educators Credit Union
 Oklahoma Employees Credit Union
 Oklahoma R. E. & T. Employees Credit Union
 Teachers Credit Union
 WEOKIE Credit Union
 Woods Credit Union
Ponca City  Cherokee Strip Credit Union
Tulsa  Fire Fighters Credit Union
 Fraternal Order Of Police Credit Union
 Oklahoma Central Credit Union
 Tulsa Teachers Credit Union
39
40
June 30, 2011
CITY TRUST COMPANY BRANCHES Duncan  Investors Trust Company 0 Oklahoma City  American First Title & Trust Company 0  Columbia Trust Co., L.L.C. 0  First American Title & Trust Company 7  Heritage Trust Company 0  MidFirst Trust Company 0  North Bay Trust Company 0 Tulsa  AmeriTrust Corporation 0  The Trust Company of Oklahoma 4
41
As of December 31, 2010
Number of Trust Companies – 9
ASSETS Thousands of Dollars
Cash & due from banks
30,642
Notes, Loans & Other Receivables
2,783
Stocks, Bonds, Securities & Investments
17,550
Trust Company premises, furniture, fixtures, and
Other assets representing Trust Company premises
1,747
Other Real Estate
0
Investments in subsidiaries
5,998
Title records
2,071
Other Assets
3,124 TOTAL ASSETS 63,915
LIABILITIES Thousands of Dollars
Certificates & Other Forms Representing Deposits of
Individuals, Partnership and Corporations
0
Certificates & Other Forms representing deposits of
Government and Political Subdivisions
0
Accounts Payable
1,628
Notes Payable
1,587
Custodial and Escrow Accounts Payable
4,064
Reserve provision for taxes, interest, etc…
156
Other Liabilities
307 TOTAL LIABILITIES 7,742
RESERVES ON LOANS & SECURITIES Thousands of Dollars
Reserves for bad debt losses on loans
0
Reserves for losses on securities
(356) TOTAL RESERVES ON LOANS & SECURITIES (356)
CAPITAL ACCOUNTS Thousands of Dollars
Capital Notes and Debentures
(Specify interest & maturity each issue outstanding)
0
Preferred Stock-total par value
0
Common Stock-total par value
3,515
Surplus
39,279
Paid in Excess
0
Undivided Profits
(2,072)
Reserves for Contingency & Other Capital Reserves
including provisions for abstract & title guarantees
15,807
TOTAL CAPITAL ACCOUNTS
56,529 TOTAL LIABILITIES, RESERVES & CAPITAL ACCOUNTS 63,915
42
As of June 30, 2011
Number of Trust Companies – 9
ASSETS Thousands of Dollars
Cash & due from banks
32,322
Notes, Loans & Other Receivables
3,861
Stocks, Bonds, Securities & Investments
18,892
Trust Company premises, furniture, fixtures, and
Other assets representing Trust Company premises
1,792
Other Real Estate
0
Investments in subsidiaries
4,178
Title records
2,068
Other Assets
3,133 TOTAL ASSETS 66,246
LIABILITIES Thousands of Dollars
Certificates & Other Forms Representing Deposits of
Individuals, Partnership and Corporations
0
Certificates & Other Forms representing deposits of
Government and Political Subdivisions
0
Accounts Payable
1,746
Notes Payable
0
Custodial and Escrow Accounts Payable
6,678
Reserve provision for taxes, interest, etc…
1,737
Other Liabilities
111 TOTAL LIABILITIES 10,272
RESERVES ON LOANS & SECURITIES Thousands of Dollars
Reserves for bad debt losses on loans
0
Reserves for losses on securities
0 TOTAL RESERVES ON LOANS & SECURITIES 0
CAPITAL ACCOUNTS Thousands of Dollars
Capital Notes and Debentures
(Specify interest & maturity each issue outstanding)
0
Preferred Stock-total par value
0
Common Stock-total par value
5,007
Surplus
35,529
Paid in Excess
0
Undivided Profits
(1,044)
Reserves for Contingency & Other Capital Reserves
including provisions for abstract & title guarantees
16,482
TOTAL CAPITAL ACCOUNTS
55,974 TOTAL LIABILITIES, RESERVES & CAPITAL ACCOUNTS 66,246
43
44
Alvin C. Harrell Chairman, President, and CEO Home Savings and Loan Association of Oklahoma City Oklahoma City (Term ending at the pleasure of the State Bank Commissioner) Russell Pembrook President and CEO Fairview Savings and Loan Association Fairview (Term ending at the pleasure of the State Bank Commissioner) Harold Reel Savings & Loan Administrator/ Assistant Deputy Commissioner Oklahoma State Banking Department Oklahoma City (Term ending at the pleasure of the State Bank Commissioner)
45
June 30, 2011
July 1, 2010 through June 30, 2011
MERGERS  None
CITY ASSOCIATION Oklahoma City  Home Savings and Loan Association of Oklahoma City* * Indicates stock association 46
As of December 31, 2010
Number of Savings & Loans – 1
ASSETS Thousands of Dollars
Cash and Investment Securities
6,023
Other investment securities
603
Mortgage Loans
2,916
Non-Mortgage Loans
292
Repossessed Real Estate and Other Assets
1
Real Estate Held for Investment
282
Investment in Subsidiaries
0
Premises and Equipment
1
Other Assets
32
TOTAL ASSETS
10,150
LIABILITIES Thousands of Dollars
Deposits
7,417
Advances from Federal Home Loan Bank
0
Other Borrowings
0
Other Liabilities
-125
TOTAL LIABILITIES
7,292
EQUITY CAPITAL Thousands of Dollars
Common Stock
100
Pain in Excess of Par
784
Unrealized Gains (Losses) on Available-for-Sale Securities
0
Retained earnings
1,974
TOTAL EQUITY CAPITAL
2,858
TOTAL LIABILITIES AND EQUITY CAPITAL
10,150
47
As of June 30, 2011
Number of Savings & Loans – 1
ASSETS Thousands of Dollars
Cash and Investment Securities
6,219
Mortgage Pool Securities
0
Mortgage Loans
3,066
Non-Mortgage Loans
213
Repossessed Real Estate and Other Assets
1
Real Estate Held for Investment
258
Investment in Subsidiaries
0
Premises and Equipment
4
Other Assets
45 TOTAL ASSETS 9,806
LIABILITIES Thousands of Dollars
Deposits
7,014
Advances from Federal Home Loan Bank
0
Other Borrowings
0
Other Liabilities
(149) TOTAL LIABILITIES 6,865
EQUITY CAPITAL Thousands of Dollars
Common Stock
100
Pain in Excess of Par
784
Unrealized Gains (Losses) on Available-for-Sale Securities
0
Undivided Profits
2,057
TOTAL EQUITY CAPITAL
2,941 TOTAL LIABILITIES AND EQUITY CAPITAL 9,806
48
49
(Money Order Companies)
As of June 30, 2011
Title 6, Chapter 5, §2103(a) states in part, “no person shall engage in the business of selling or issuing checks as a service or for a fee or other consideration without first securing a license to do so from the Commissioner…”
PRINCIPALS LOCATION AGENTS
American Express Prepaid Card Management Corporation
Phoenix, AZ
458
American Express Travel Related Services Co., Inc. New York, NY 18
Barri Money Services, LLC
Houston, TX
14
BCV Holdings, LP d/b/a American Money Order Company Broken Arrow, OK 11
Blackhawk Network California, Inc.
Pleasanton, CA
17
Continental Exchange Solutions, Inc. Buena Park, CA 0
Convenience Express Money Orders, LLC
Oklahoma City, OK
109
DolEx Dollar Express, Inc. Arlington, TX 2
E-Z Mart Stores, Inc.
Texarkana, TX
79
Global Cash Access, Inc. Las Vegas, NV 34
Grocers Express, LLC
Oklahoma City, OK
12
GSC Enterprises, Inc. d/b/a Fidelity Express Money Order Company Sulphur Springs, TX 25
Integrated Payment Systems, Inc.
Englewood, CO
0
Intermex Wire Transfer, LLC Miami, FL 2
JK&K Corporation d/b/a Retailers Express Money Order Company
Tuttle, OK
155
Michael F. “Mick” LaFevers Poteau, OK 10
MoneyGram Payment Systems, Inc.
Minneapolis, MN
624
Order Express, Inc. Chicago, IL 2
Stripes, LLC
Corpus Christi, TX
19
Travelex Currency Services, Inc. Toronto, Ontario 0
Travelex Global Business Payments, Inc.
Washington DC
0
Western Union Financial Services, Inc. Englewood, CO 992 50
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As of June 30, 2011
Pursuant to the Oklahoma Financial Transaction Reporting Act and the rules promulgated under that Act, the following companies have been issued a license to engage in money transmission in Oklahoma.
PRINCIPALS LOCATION AGENT AND COMPANY-OWNED LOCATIONS* Ace Cash Express Irving, TX 35 ADP Payroll Services, Inc. Roseland, NJ 0 Amazon Payments, Inc. Seattle, WA 0 American Express Travel Related Services Company, Inc. New York, NY 12 Barri Remittance Corporation Houston, TX 14 Blackhawk Network California, Inc. Pleasanton, CA 0 Braz Transfers, Inc. Saugus, MA 0 Cambridge Mercantile Corp. Princeton, NJ 0 CheckFreePay Corporation Wallingford, CT 311 Continental Exchange Solutions, Inc. d/b/a Ria Financial Services and Associated Foreign Exchange Cerritos, CA 110 Custom House (USA) Ltd. Seattle, WA 1 DolEx Dollar Express, Inc. Arlington, TX 0 Enramex, Inc. Wheatridge, CO 14 Ethos Group Payment Services, Inc./Pegasus Pay Irving, TX 12 Google Payment Corp. Mountain View, CA 0 GSC Enterprises, Inc. d/b/a Fidelity Express Sulphur Springs, TX 108 Hong Lan Services, Inc. Westminster, CA 3 Integrated Payment Systems, Inc. Englewood, CO 1 Intermex Wire Transfer, LLC Miami, FL 27 ITC Financial Licenses, Inc. Columbus, GA 713 Keefe Commissary Network, LLC St. Louis, MO 1 Kwik Dollar, Inc. d/b/a “Dinex” Houston, TX 26 Maxitransfers Corporation Irving, TX 17 52
Mexico Transfers,Inc. Irving, TX 10 Moneybookers USA, Inc. Brooklyn, NY 0 MoneyGram Payment Systems, Inc. Minneapolis, MN 354 Nationwide Biweekly Administration, Inc. Xenia, Ohio 0 Note World, LLC Tacoma, WA 0 OboPay Redwood City, CA 0 Official Payments Corporation Reston, VA 0 Order Express, Inc. Chicago, IL 1 PayPal San Jose, CA 0 PreCash, Inc. Houston, TX 220 Servicio Uniteller, Inc. Rochelle Park, NJ 10 Sigue Corporation Sylmar, CA 125 Softgate Systems, Inc. Fairfield, NJ 173 Tempus Consulting, Inc. Washington, DC 0 Trans-Fast Remittance LLC New York, NY 4 Travelex Currency Services, Inc. Omaha, NE 0 Travelex Global Business Payments, Inc. Washington, DC 0 Unidos Financial Services, Inc. New York, NY 10 Viamericas Corporation Bethesda, MD 12 Western Union Englewood, CO 809
*Agent locations do not include financial institution agents such as banks, credit unions and savings associations.
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