First Oklahoma Bank

First Oklahoma Bank is headquartered in Tulsa and is the 84^th largest bank in the state of Oklahoma. It is also the 3,420^th largest bank in the nation. It was established in 1923 and as of March of 2012, it had grown to 62 employees at 3 locations. First Oklahoma Bank has a 5-star health rating.

First Oklahoma Bank Routing Number: 103112015

Data for Q1 2012

Institution Statistics First Oklahoma Bank FDIC Certificate # 12484 BankRate Report View Year Established 1923 Employees 62 Primary Regulator FDIC Assets and Liabilities Assets $178.08 million Loans $130.36 million Deposits $162.43 million Equity Capital $15.20 million Loan Loss Allowance $1.31 million Unbacked Noncurrent Loans $353,000 Historic Data - March 2011 Assets $118.28 million Equity Capital $11.82 million Loan Loss Allowance $872,000 Unbacked Noncurrent Loans $415,000 Profit Margin - Quarterly Net Interest Margin 3.86% Return on Assets 0.24% Return on Equity 2.66% Interest Income $1.94 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 March 31, 2012 First Oklahoma Bank had $353,000 in non-current loans and owned real-estate with $16.51 million in equity and loan loss allowances on hand to cover it. This gives First Oklahoma Bank a Texas Ratio of 2.14% 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 First Oklahoma Bank decreased slightly from 3.27% as of March 31, 2011 to 2.14% as of March 31, 2012, resulting in a positive change of 34.64%.This indicates that the balance sheet and financial strength for First Oklahoma Bank has improved slightly in recent periods. Deposit Growth In the past year, First Oklahoma Bank has increased its total deposits by $56.52 million, resulting in 53.36% 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 First Oklahoma Bank 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. First Oklahoma Bank has $178.08 million in assets with $16.51 million in equity, resulting in a capitalization level of 9.27%, which is average.

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