BancFirst

BancFirst is headquartered in Oklahoma City and is the 3^rd largest bank in the state of Oklahoma. It is also the 162^nd largest bank in the nation. It was established in 1989 and as of December of 2011, it had grown to 1,515 employees at 95 locations. BancFirst has a 5-star health rating.

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Data for Q4 2011

Institution Statistics BancFirst FDIC Certificate # 27476 BankRate Report View Year Established 1989 Employees 1515 Primary Regulator FDIC Assets and Liabilities Assets $5.41 billion Loans $2.87 billion Deposits $4.89 billion Equity Capital $475.45 million Loan Loss Allowance $37.55 million Unbacked Noncurrent Loans $15.14 million Real Estate Owned $14.03 million Historic Data - December 2010 Assets $4.81 billion Equity Capital $446.86 million Loan Loss Allowance $35.74 million Unbacked Noncurrent Loans $17.56 million Real Estate Owned $21.94 million Profit Margin - Quarterly Net Interest Margin 3.23% Return on Assets 0.88% Return on Equity 9.65% Interest Income $177.23 million

Institution Health Overall Score: 5 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 BancFirst had $29.17 million in non-current loans and owned real-estate with $513 million in equity and loan loss allowances on hand to cover it. This gives BancFirst a Texas Ratio of 5.69% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for BancFirst decreased slightly from 9.42% as of December 31, 2010 to 5.69% as of December 31, 2011, resulting in a positive change of 39.61%.This indicates that the balance sheet and financial strength for BancFirst has improved slightly in recent periods. Deposit Growth In the past year, BancFirst has increased its total deposits by $562.19 million, resulting in 12.98% 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 BancFirst has shown is excellent. 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. BancFirst has $5.41 billion in assets with $513 million in equity, resulting in a capitalization level of 9.49%, which is average.

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