Vitals
  • Total Assets
    2.9B 0.7 %
  • Total Deposits
    1.9B 5.7 %
  • Total Net Loans
    2.2B 2.8 %
  • Net Income
    9.1M 8.9 %
  • Book Value
    261.4M 3.3 %
  • Book Value x2
    522.8M 3.3 %
  • Book Value x3
    784.2M 3.3 %
ROAA

1.268

ROAE

14.098

Efficiency Ratio

49.045

Net Interest Margin

3.311

Balance Sheet Highlights
Financial Highlights Local Oklahoma Bank All Insured Commercial Banks in Oklahoma
Balance Sheet $(000)
Total Assets 2,865,077 91,986
Total Net Loans 2,200,062 54,121
Total Deposits 1,922,174 76,149
Total Equity 261,395 9,442
Profitability
Net Income 9,084 354
Return on Average Assets 1.268 1.402
Return on Average Equity 14.098 13.669
Net Interest Margin 3.311 4.528
Efficiency Ratio 49.045 64.768
Noninterest Income/Revenue 18.968 15.217
Balance Sheet Ratios
Loan-to-Deposit 114.457 68.095
Securities/Assets .134 .723
Total Equity/Total Assets .091 .103
Tangible Equity/Tangible Assets .084 .02
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 241,439 8,962
Tier 2 Capital 26,886 622
Total Capital 268,325 9,588
Total Risk Weighted Assets 2,145,550 59,707
Leverage Ratio 8.48 10.296
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 11.25 16.682
Total Capital Ratio 12.51 17.803

Timeline for Local Oklahoma Bank

International Bank Of Commerce

Local Oklahoma Bank was acquired by International Bank Of Commerce 19 years

View Profile Jun 19 2004

U.S. National Bank

Acquisition: Local Oklahoma Bank acquired a new subsidiary, U.S. National Bank, 21 years

View Profile Nov 06 2002

Guthrie Federal Savings Bank

Acquisition: Local Oklahoma Bank acquired a new subsidiary, Guthrie Federal Savings Bank, 24 years

View Profile Oct 16 1999

Local Financial Corporation

Local Financial Corporation became a new parent organization for Local Oklahoma Bank.

View Profile May 11 1999

Ibc Investments Corporation

Ibc Investments Corporation became a new subsidiary organization for Local Oklahoma Bank.

View Profile May 11 1999

Want to see more?

Complete timeline for Local Oklahoma Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
International Bank Of Commerce Buyer 9,855,915 Acquisition Discontinued 6/19/2004
U.S. National Bank Seller 34,858 Acquisition Discontinued 11/6/2002
Guthrie Federal Savings Bank Seller 42,969 Acquisition Discontinued 10/16/1999
Local America Bank Of Tulsa, A Federal Savings Bank Seller 671,140 Discontinued 12/1/1998
Citizens Bank Seller 178,217 Discontinued 10/9/1998
Red River Federal Savings And Loan Association, F.A. Seller 321,234 Failure 3/28/1992
First Federal Savings Association Of Chickasha Seller 115,000 Failure 2/8/1992
Clinton Savings And Loan Association Seller 22,220 Failure 7/20/1991
The Duncan Savings And Loan Association Seller 120,893 Failure 8/18/1990
Great Plains Savings Association, F.A. Seller 65,785 Failure 8/18/1990
Relationships Role Relationship Start Relationship End
Local Financial Corporation Parent 5/11/1999 6/18/2004
Ibc Investments Corporation Subsidary 5/11/1999 6/18/2004
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