White Operating Company v. Bank of America NA

CourtDistrict Court, N.D. Texas
DecidedSeptember 24, 2025
Docket3:23-cv-00525
StatusUnknown

This text of White Operating Company v. Bank of America NA (White Operating Company v. Bank of America NA) is published on Counsel Stack Legal Research, covering District Court, N.D. Texas primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
White Operating Company v. Bank of America NA, (N.D. Tex. 2025).

Opinion

United States District Court NORTHERN DISTRICT OF TEXAS DALLAS DIVISION WHITE OPERATING COMPANY § v. ; CIVIL ACTION NO. 3:23-CV-0525-S BANK OF AMERICA, N.A. : MEMORANDUM OPINION AND ORDER This Memorandum Opinion and Order addresses the Motion of Defendant Bank of America, N.A., for Summary Judgment on Plaintiffs First Amended Complaint (“Motion”) [ECF No. 112]. The Court has reviewed the Motion, Defendant’s Brief in Support of the Motion (“Defendant’s Brief’) [ECF No. 113], Plaintiff White Operating Company’s Response to the Motion (“Response”) [ECF No. 118], Plaintiff's Brief in Support of the Response (“Plaintiff's Brief’) [ECF No. 119], Defendant’s Reply in Support of the Motion (“Reply”) [ECF No. 123], Defendant’s Notice of Supplemental Authority [ECF No. 133], the summary judgment evidence, and the applicable law. For the following reasons, the Court GRANTS the Motion. I. BACKGROUND In this lawsuit, Plaintiff seeks payment from Defendant for “Oklahoma oil, condensate, liquids[,] and other hydrocarbons” sold approximately nine years ago. First Am. Compl. (“Amended Complaint”) [ECF No. 77] { 16. The purchaser of the products was non-party Murphy Energy Corporation, together with its parent company and affiliates (collectively, “Murphy”), a midstream provider of transportation, storage, and marketing services for oil and gas producers. Id.; App. of Exs. in Supp. of Def. Bank of America, N.A.’s Mot. for Summ. J. (“Defendant’s Appendix”) [ECF No. 114] Ex. A, at 3.

In 2012, Defendant provided Murphy with revolving! and term loan facilities under the Loan and Security Agreement (“Credit Agreement”) dated September 12, 2012. Def.’s App., Ex. AA, at 522-637. The loan facilities included a $60 million revolver (or revolving loan) and a $6 million term loan, secured by liens on most of Murphy’s assets. Id. at 567-68, 608; see also Def.’s App., Ex. A, at 3. Pursuant to the Credit Agreement, Murphy created a master deposit account with Defendant. Def.’s App., Ex. H, at 121 95. Proceeds from resales of products that Murphy purchased from producers, like Plaintiff, were deposited in the master deposit account. See id. Defendant swept funds from the account daily. Jd. The sweeps created additional borrowing capacity under the revolving loan, and Defendant would readvance funds to Murphy so that Murphy could pay its expenses. Id. Plaintiff is an Oklahoma oil and gas company. Pl.’s Br. 5 § 12. Plaintiff operates oil and gas properties and markets production in its wells for the benefit of holders of various interests. Id. In 2016, Murphy contracted to buy crude oil and gas (“Hydrocarbons”) from Plaintiff. App. of Exs. in Supp. of Pl.’s Resp. to Def. Bank of America’s Mot. for Summ. J. (“Plaintiff's Appendix”) [ECF No. 120] Ex. A [ECF No. 120-1] 3 { 6; see also Pl.’s App., Ex. E-2 [ECF No. 120-1] 314-16; Am. Compl. § 16. Plaintiff sold Hydrocarbons to Murphy in June, July, and August 2016. Pl.’s App., Ex. D [ECF No. 120-1] 153 2-3; see also Pl.’s App., Ex. E [ECF No. 120-1] 310 4 6. Murphy never paid for these purchases and currently owes Plaintiff $2,586,956.86, plus interest. App., Ex. D, at 153-54 { 3; see also Pl.’s App., Ex. E, at 310-11 {ff 6, 8; Pl.’s App., Ex. E-10 [ECF No. 120-1] 431. In July 2016, Defendant learned that Murphy was overadvanced. Def.’s App., Ex. H, at 122 q 9; Pl.’s App., Ex. S [ECF No. 120-8] 4246. In other words, Murphy had borrowed more than the

' A revolving loan is one that the borrower can repay and then reborrow on a revolving basis, as set forth in the Credit Agreement. See Def.’s App., Ex. AA, at 548 § 2.1.1.

amount of loans available. Def.’s App., Ex. H, at 122 | 9. Defendant “believes” this issue arose because Murphy used revolver advances to pay for capital expenditures and because Murphy entered into undisclosed netting agreements instead of collecting cash when it sold oil and gas. Id. at 122 11. Based on Murphy’s overadvanced position and failure to comply with reporting obligations, Defendant declared a default under the Credit Agreement on July 22, 2016. Jd. at 123 q 12. Also on July 22, Defendant asked Murphy to retain a chief restructuring officer. Pl.’s App., Ex. S, at 4245. Defendant suggested two advisory firms for Murphy to consider when selecting a chief restructuring officer: FTI Consulting and CR3 Partners. /d. at 4210-11 at 34:25-35:9; see also id. at 4245 (presenting FTI and CR3 as options “should [Murphy] wish to consider them”). Ultimately, Steven List, a partner at CR3, took over as Chief Restructuring Officer for Murphy. Def.’s App., Ex. V, at 429-30 2. After Defendant declared a default, Murphy was required to request advances under the revolver, and Defendant would decide whether to approve them. Pl.’s App., Ex. 8, at 4218-19 at 42:11-43:7. At some point, Murphy represented to Defendant that it had found a buyer for Murphy’s assets and debt. Def.’s App., Ex. H, at 123 § 13. As a result, Defendant entered into the Forbearance Agreement and Thirteenth Amendment to Loan and Security Agreement with Murphy in September 2016. Def.’s App., Ex. L, at 171-84. The planned asset sale did not happen, and Murphy filed voluntary bankruptcy petitions in October 2016. Def.’s App., Ex. A, at 4.

? Under the netting agreements, Murphy offset its accounts receivable against its accounts payable when it sold oil and gas. Def.’s App., Ex. H, at 122 ¢ 11. As an example, in August 2016, Murphy resold less than 8% of its purchased oil and gas for cash. See Def.’s App., Ex. K, at 169 (showing approximately $26 million in the “Total Sold to Customer” column and only approximately $2 million in the “Cash Proceeds Collected” column).

Shortly after the bankruptcy case commenced, the United States Bankruptcy Court for the Northern District of Texas (“Bankruptcy Court”) issued an order approving a post-petition financing facility (referred to in the parties’ briefing as “DIP Order”), pursuant to which Defendant continued to finance Murphy. Def.’s App., Ex. G, at 48-118; see also Def.’s Br. 5 { 20. To resolve the issue of the extent, validity, and priority of liens held by Defendant and the producers, including Plaintiff, the Bankruptcy Court entered its Procedures Order on November 4, 2016. Def.’s App., Ex. A, at 4-5. Among other things, the Procedures Order prevented Plaintiff from filing a state court lawsuit against Defendant. Pl.’s Br. 18 471. In accordance with the Procedures Order, Murphy filed the Adversary Complaint for Declaratory Judgment and Related Relief against Defendant and the producers, including Plaintiff. Def.’s App., Ex. A, at 5. The parties to the adversary proceeding were then realigned so that the producers were the plaintiffs and Murphy and Defendant were the defendants. /d. at 6. On January 23, 2017, Plaintiff filed its Answer to Adversary Complaint for Declaratory Judgment and Related Relief, Counterclaim and Crossclaim. Def.’s App., Ex. N, at 203-16. In this filing, Plaintiff requested a declaratory judgment that it had a superior first priority lien in the Hydrocarbons and all proceeds therefrom as against Defendant. Jd. at 211 49-53. Plaintiff also sought equitable subordination of Defendant’s claim due to Defendant’s alleged intentional and willful misappropriation of the proceeds from the Hydrocarbons.? Jd. at 213-14 {{ 64-68. □

The producers and Defendant separately moved for summary judgment in the bankruptcy case. The producers moved for summary judgment on certain counterclaims, and Defendant moved for summary judgment on the producers’ counterclaims and crossclaims and on three

3 “Equitable subordination allows the court to . . . rearrange the priorities of claims based upon the conduct of the creditors.” Herby’s Foods, Inc. v. Summit Coffee Co. (In re Herby’s Foods, Inc.), 134 B.R. 207, 210-11 (Bankr. N.D. Tex. 1991) (citing Pepper v. Litton, 308 U.S. 295

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White Operating Company v. Bank of America NA, Counsel Stack Legal Research, https://law.counselstack.com/opinion/white-operating-company-v-bank-of-america-na-txnd-2025.