Annual Report - Tbb.bank
2021 Annual Report
2021-22 BOARD OF DIRECTORS Troy Appling President/CEO The Bankers Bank Oklahoma City, OK Rick Holder Chairman/CFO Cattlemens Bank Gould, OK John Croak EVP FNB Community Bank Midwest City, OK Evans McBride President/CEO The First National Bank & Trust Co. McAlester, OK Randy Duke President/CEO Gilmer National Bank Gilmer, TX Cassie McGlothlin VP/Branch Manager Security State Bank Hammon, OK Doug Fuller President/CEO Quail Creek Bank Oklahoma City, OK Mark Poole President/Vinita BancFirst Vinita, OK Chris Jordan President/CEO The Farmers State Bank Quinton, OK Richard Sims President Wellington State Bank Wellington, TX Mike Hall President/CEO Central National Bank Poteau, OK Alicia Wade President Valliance Bank Oklahoma City, OK Heath Hartley CRO RCB Bank Claremore, OK Board of Directors Barry Anderson President/COO Clayton Lodes CEO F&M Bank First National Bank & Trust Co. Guthrie, OK Ardmore, OK
EXECUTIVE OFFICERS Troy Appling President/Chief Executive Officer Beth Humphries EVP/Chief Financial Officer Rick Lindsey EVP/Chief Lending Officer Mike Murphy EVP/Chief Risk Officer Miles Pringle SVP/General Counsel OFFICERS Connie Armbruster VP/Debit Services Jeanni Birchum VP/Credit Card Marketing Officer Jim Chapman SVP/Correspondent Officer Laura Coale Marketing Officer Joanie Hale VP/Operations/BSA Officer Keven Housley Executive Systems Administrator Andrew Johansen Managing Director (FIT) Lynn Krauss SVP/Commercial Loan Officer Chad Lareau SVP/Commercial Loan Officer Dustin Loeffler Executive Audit Manager (BPSI) Amanda Martin AVP/Correspondent Officer Jody Martin SVP/Card Services Stephanie McGee Loan Administration Officer Steve McIlhaney SVP/Correspondent Officer Paul Phillips VP/Special Projects Lori Porter SVP/Loan Administration Malinda Rickel SVP/Chief Operations Officer Kathie Sanders SVP/Human Resources Tim Sheehan SVP/Commercial Loan Officer Dan Stacy VP/Safekeeping Michelle Stacy SVP/Building Management Bob Stevens SVP/Correspondent Officer Kas Stewart SVP/Correspondent Officer Jeff Story SVP/Chief Information Security Officer Bettye Thomas VP/Operations
STOCKHOLDERS Bankers Bancorp of Oklahoma, Inc. as of 12/31/2021 Security Bank & Trust Co. Miami, OK First State Bank Abernathy, TX FNB Community Bank Midwest City, OK Citizens Bank of Ada Ada, OK Vision Bank, NA Ada, OK Tejas Bank Monahans, TX First Altus Bancorp, Inc. Altus, OK First Bank of Okarche Okarche, OK Community Bank Alva, OK High Plains Bank Okeene, OK All America Bank Oklahoma City, OK FirstBank Southwest Amarillo, TX First State Bank Anadarko, OK BancFirst Oklahoma City, OK Chickasaw Community Bank Oklahoma City, OK American Nation Bank Ardmore, OK Citizens Bank & Trust Co. of Ardmore Ardmore, OK First Enterprise Bank Oklahoma City, OK First National Bank & Trust Co. of Ardmore Ardmore, OK First Liberty Bank Oklahoma City, OK Frontier State Bank Oklahoma City, OK American State Bank Arp, TX First Bethany Bank & Trust Bethany, OK Legacy Bank Oklahoma City, OK Fannin Bank Bonham, TX Quail Creek Bank Oklahoma City, OK The First National Bank & Trust Co. Broken Arrow, OK Valliance Bank Oklahoma City, OK Washita State Bank Burns Flat, OK First Okmulgee Corporation Okmulgee, OK Pauls Valley National Bank Pauls Valley, OK AllNations Bank Calumet, OK The Farmers Bank Carnegie, OK Blue Sky Bank Pawhuska, OK Bank of Commerce Catoosa, OK Payne County Bank Perkins, OK ACB Bank Cherokee, OK Exchange Bank & Trust Co. Perry, OK RCB Bank Claremore, OK First Bank & Trust Co. Perry, OK Central National Bank Poteau, OK Security State Bank Cheyenne, OK The First National Bank & Trust Co. Chickasha, OK First Pryority Bank Pryor, OK First Bank & Trust Co. Clinton, OK McClain Bank Purcell, OK Shamrock Bancshares, Inc. Coalgate, OK The Farmers State Bank Quinton, OK First National Bank of Coweta Coweta, OK First Summit Bank Ryan, OK Farmers & Merchants Bank Duke, OK Peoples Bank & Trust Co. Ryan, OK First Bank & Trust Co. Duncan, OK Firstar Bank Sallisaw, OK Century Bank Santa Fe, NM First United Bank & Trust Co. Durant, OK The Citizens Bank of Edmond Edmond, OK Seiling State Bank Seiling, OK F&M Bank Edmond, OK SNB Bank, NA Shattuck, OK Valor Bank Edmond, OK First National Bank & Trust Co. Shawnee, OK Great Plains Bank Elk City, OK The Exchange Bank Skiatook, OK First State Bank Tahlequah, OK First State Bank Elmore City, OK Bank of Eufaula Eufaula, OK CNB Financial Corp, Inc. Taylor, TX Farmers & Merchants National Bank Fairview, OK First State Bank Temple, OK Washita Valley Bank Ft Cobb, OK Anchor D Bank Texhoma, OK First National Bank of Ft Smith Ft Smith, AR First Bank of Thomas Thomas, OK Regent Bank Tulsa, OK National Bank of Texas Ft Worth, TX Spectra Bank Ft Worth, TX Sooner State Bank Tuttle, OK Gilmer National Bank Gilmer, TX First Farmers National Bank Waurika, OK Cattlemens Bank Gould, OK First National Bank & Trust Co. Weatherford, OK Community State Bank Hennessey, OK Southwest Bank of Weatherford Weatherford, OK Wellington State Bank Wellington, TX Gateway First Bank Jenks, OK Bank of Kremlin Kremlin, OK Security State Bank of Oklahoma Wewoka, OK Western Heritage Bank Las Cruces, NM American National Bank & Trust Wichita Falls, TX Texana Bank Linden, TX First Capital Bank Wichita Falls, TX First Bank & Trust Co. Lubbock, TX Security State Bank Winters, TX First National Bank in Marlow Marlow, OK The Stock Exchange Bank Woodward, OK The First National Bank & Trust Co. McAlester, OK Method Bank Wyandotte, OK
SERVICES iWeb Electronic Cash Letter Exchange Federal Funds Cash Management Lending Credit Card/Merchant Services Check Consulting ATM/Debit Cards ATM Outsourcing Merchant Capture Internet Banking Safekeeping Investments International Services IT Services Compliance/Audit Services www.tbb.bank Phone: 405-848-8877 Toll Free: 800-522-9220
2021 32,216,886 7,504,666 2020 23,284,816 2,957,705 Assets Cash and cash equivalents Investments Loans, net of allowance for loan losses of 2,970,414 and 2,704,933 in 2021 and 2020, respectively Premises and equipment, net Interest receivable Income tax receivable Deferred income taxes, net Cash surrender value of bank-owned life insurance Prepaids and other assets Total assets 152,906,179 5,768,681 637,277 2,528,498 9,274,496 1,990,143 212,826,826 143,309,454 6,239,416 985,706 2,916,574 3,386,573 8,979,574 1,219,824 193,279,642 Liabilities and Stockholders’ Equity Liabilities: Demand and time deposits Interest payable and other liabilities Total liabilities 176,860,053 4,400,352 181,260,405 160,182,544 4,369,795 164,552,339 Stockholders’ equity: Common stock Capital surplus Retained earnings Treasury stock Accumulated other comprehensive income (loss) Total stockholders’ equity Total liabilities and stockholders’ equity 7,117 22,507,014 9,143,162 (71,480) (19,392) 31,566,421 212,826,826 7,137 22,507,014 6,202,564 10,588 28,727,303 193,279,642 CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME DECEMBER 31, 2021 & 2020 Interest Income: Loans Investments, federal funds sold and other Total interest income Interest Expense: Interest bearing deposits and federal funds purchased Net interest income Provision for loan losses Net interest income after provision for loan losses Noninterest income Noninterest expense Income (loss) before income taxes Provision (benefit) for income taxes Net income (loss) Other comprehensive income (loss) Comprehensive income (loss) 2021 6,841,152 100,894 6,942,046 666,882 6,275,164 280,000 5,995,164 13,737,057 15,139,546 4,592,675 1,295,228 3,297,447 (29,980) 3,267,467 2020 7,276,669 426,480 7,703,149 1,603,240 6,099,909 810,000 5,289,909 13,954,810 35,864,565 (16,619,846) (5,298,600) (11,321,246) 8,633 (11,312,613) Financials Audited financial statements available upon request. FINANCIALS CONSOLIDATED BALANCE SHEETS DECEMBER 31, 2021 & 2020
Citizens Bank & Trust Co. of Ardmore Ardmore, OK First National Bank & Trust Co. of Ardmore Ardmore, OK American State Bank Arp, TX First Bethany Bank & Trust Bethany, OK Fannin Bank Bonham, TX The First National Bank & Trust Co. Broken Arrow, OK Washita State Bank Burns Flat, OK AllNations Bank Calumet, OK
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