NBC OKLAHOMA

NBC OKLAHOMA is headquartered in Oklahoma City and is the 21^st largest bank in the state of Oklahoma. It is also the 1,397^th largest bank in the nation. It was established in 1931 and as of March of 2012, it had grown to 121 employees at 8 locations. NBC OKLAHOMA has a 4-star health rating.

NBC OKLAHOMA Routing Number: 103112523

Data for Q1 2012

Institution Statistics NBC OKLAHOMA FDIC Certificate # 4032 BankRate Report View Year Established 1931 Employees 121 Primary Regulator FDIC Assets and Liabilities Assets $482.97 million Loans $336.22 million Deposits $427.98 million Equity Capital $40.06 million Loan Loss Allowance $5.09 million Unbacked Noncurrent Loans $11.43 million Real Estate Owned $95,000 Historic Data - March 2011 Assets $449.80 million Equity Capital $37.10 million Loan Loss Allowance $5.36 million Unbacked Noncurrent Loans $12.16 million Real Estate Owned $120,000 Profit Margin - Quarterly Net Interest Margin 4.31% Return on Assets 1.56% Return on Equity 19.06% Interest Income $5.22 million

Institution Health Overall Score: 4 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 NBC OKLAHOMA had $11.52 million in non-current loans and owned real-estate with $45.15 million in equity and loan loss allowances on hand to cover it. This gives NBC OKLAHOMA a Texas Ratio of 25.52% 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 NBC OKLAHOMA held steady from 28.92% as of March 31, 2011 to 25.52% as of March 31, 2012, resulting in a positive change of 11.75%.This indicates that the balance sheet and financial strength for NBC OKLAHOMA has held steady in recent periods. Deposit Growth In the past year, NBC OKLAHOMA has increased its total deposits by $27.91 million, resulting in 6.98% 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 NBC OKLAHOMA 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. NBC OKLAHOMA has $482.97 million in assets with $45.15 million in equity, resulting in a capitalization level of 9.35%, which is average.

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