BOK Financial Corporation (BOKF) is a $23 billion regional financial services company based in Tulsa, Oklahoma. The company's stock is publicly traded on NASDAQ under the Global Select market listings (symbol: BOKF). Assets of the organization are centered in seven bank subsidiaries, Bank of Oklahoma, Bank of Texas, Bank of Albuquerque, Bank of Arkansas, Bank of Arizona, Colorado State Bank and Trust and Bank of Kansas City. BOKF has full-service banks located in eight states. BOKF's broker/dealer subsidiary provides brokerage services in 10 states. BOKF's Bank of Oklahoma affiliate operates an electronic funds transfer network that spans 13 states.
This bank is incapable of protecting the integrity of your financial data. I've been robbed 4-5 times since opening my account(s) in Jan. 2010. Worse yet, this bank has Incredibly crappy customer service when their compromising of your financial data results in screwed up finances, over charges etc, unless you are a high dollar stakes client. But, they charmingly state, "the result is out of our hands, determined by an algorithm based on the 'client relationship'"--meaning, apparently, their computer tells them I am not a sufficiently high dollar client to be worth fixing their screw up for!
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, 2013 Bank of Albuquerque had $191.84 million in non-current loans and owned real-estate with $2.46 billion in equity and loan loss allowances on hand to cover it. This gives Bank of Albuquerque a Texas Ratio of 7.80% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
The Texas Ratio for Bank of Albuquerque decreased slightly from 8.77% as of December 31, 2012 to 7.80% as of December 31, 2013, resulting in a positive change of 11.03%.This indicates that the balance sheet and financial strength for Bank of Albuquerque has improved slightly in recent periods.
In the past year, Bank of Albuquerque has decreased its total deposits by -$799.82 million, resulting in -3.69% 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 Bank of Albuquerque has shown is below average.
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. Bank of Albuquerque has $26.8 billion in assets with $2.46 billion in equity, resulting in a capitalization level of 9.18%, which is average.
|FDIC Certificate #||4214|
|Assets and Liabilities|
|Equity Capital||$2.27 billion|
|Loan Loss Allowance||$185.40 million|
|Unbacked Noncurrent Loans||$100.92 million|
|Real Estate Owned||$90.92 million|
|Historic Data - December 2012|
|Equity Capital||$2.36 billion|
|Loan Loss Allowance||$215.51 million|
|Unbacked Noncurrent Loans||$100.92 million|
|Real Estate Owned||$102.40 million|
|Profit Margin - Quarterly|
|Net Interest Margin||2.77%|
|Return on Assets||1.13%|
|Return on Equity||12.91%|
|Interest Income||$742.05 million|
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|0.03%||-||-||Personal Savings 2.0|
|0.15%||$50k||-||Premier Money Market|
|0.15%||$50k||-||Premier Money Market IRA|
|0.15%||$50k||-||Premier Money Market Roth IRA|
|1.30%||$100k||-||7 Year Fixed CD|
|0.80%||$100k||-||5 Year Fixed CD|
|0.50%||$100k||-||4 Year Fixed CD|
|0.40%||$100k||-||2 Year Fixed CD|
|0.40%||$100k||-||3 Year Fixed CD|
|0.30%||$100k||-||18 Month Fixed CD|
|0.20%||$100k||-||1 Year Fixed CD|
|0.18%||$100k||-||180 Day Fixed CD|
|0.18%||$100k||-||270 Day Fixed CD|
|0.15%||$100k||-||120 Day Fixed CD|
|0.10%||$100k||-||60 Day Fixed CD|
|0.10%||$100k||-||90 Day Fixed CD|
|0.08%||$100k||-||7 Day Fixed CD|
|0.08%||$100k||-||30 Day Fixed CD|
|1.25%||-||-||7 Year IRA CD (Traditional,Roth)|
|0.75%||-||-||5 Year IRA CD (Traditional,Roth)|
|0.45%||-||-||4 Year IRA CD (Traditional,Roth)|
|0.35%||-||-||30 Month IRA CD (Traditional,Roth)|
|0.35%||-||-||2 Year IRA CD (Traditional,Roth)|
|0.35%||-||-||3 Year IRA CD (Traditional,Roth)|
|0.25%||-||-||18 Month IRA CD (Traditional,Roth)|
|0.15%||-||-||1 Year IRA CD (Traditional,Roth)|
|0.13%||-||-||6 Month IRA CD (Traditional,Roth)|