1st Bank Oklahoma

1st Bank Oklahoma is headquartered in Claremore and is the 74^th largest bank in the state of Oklahoma. It is also the 3,237^th largest bank in the nation. It was established in 1976 and as of December of 2011, it had grown to 66 employees at 6 locations. 1st Bank Oklahoma has a 3-star health rating.

1st Bank Oklahoma Routing Number: 303173773

Data for Q4 2011

Institution Statistics 1st Bank Oklahoma OTS # 07509 FDIC Certificate # 31826 BankRate Report View Year Established 1976 Employees 66 Primary Regulator OCC Assets and Liabilities Assets $189.14 million Loans $108.17 million Deposits $158.02 million Equity Capital $19.26 million Loan Loss Allowance $107,000 Unbacked Noncurrent Loans $3.12 million Real Estate Owned $2.08 million Historic Data - December 2010 Assets $264.79 million Equity Capital $25.25 million Loan Loss Allowance $2.04 million Unbacked Noncurrent Loans $1.11 million Real Estate Owned $2.60 million Profit Margin - Quarterly Net Interest Margin 1.47% Return on Assets 0.36% Return on Equity 3.41% Interest Income $3.62 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 1st Bank Oklahoma had $5.2 million in non-current loans and owned real-estate with $19.37 million in equity and loan loss allowances on hand to cover it. This gives 1st Bank Oklahoma a Texas Ratio of 26.84% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for 1st Bank Oklahoma increased slightly from 13.60% as of December 31, 2010 to 26.84% as of December 31, 2011, resulting in a negative change of 97.38%. This indicates that the balance sheet and financial strength for 1st Bank Oklahoma has declined slightly in recent periods. Deposit Growth In the past year, 1st Bank Oklahoma has decreased its total deposits by -$23.16 million, resulting in -12.78% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth 1st Bank Oklahoma has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. 1st Bank Oklahoma has $189.14 million in assets with $19.37 million in equity, resulting in a capitalization level of 10.24%, which is above average.

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