American Exchange Bank in Henryetta, Oklahoma (OK)



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American Exchange Bank routing number info

Table of contents:
American Exchange Bank
GeneralFDIC Certificate #: 428
Status: Active
Federal Reserve ID: 811550
Date Established: January 01, 1933
WWW: http://www.aebbank.net
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 17415
FDIC's unique #: 330
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
LocationAddress: 510-512 West Main Street, Henryetta, OK 74437
County: Okmulgee
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Tulsa
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Combined Statistical Area (CSA): Tulsa-Bartlesville, OK (#538)
Core Based Statistical Area (CBSA): Tulsa, OK (#46140)
CBSA Metro Statistical Area: Tulsa, OK (#46140)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $71.3 mil
Equity capital: $7.3 mil
Deposits held in domestic offices: $63.4 mil
Return on assets (ROA): 1.04% ($0.7 mil)
Quarterly return on assets: 0.66% ($0.5 mil)
Return on Equity (ROE): 10.87% ($0.8 mil)
Quarterly return on equity: 6.52% ($0.5 mil)
Net income: $0.8 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 1.04% ($741.9 mil)
Quarterly Pretax return on assets: 0.66% ($470.8 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)28
Total assets$71,332
Cash and due from depository institutions$6,996
Interest-bearing balances$1,600
Securities$18,842
Federal funds sold & reverse repurchase agreements$125
Net loans & leases$40,457
Loan loss allowance $467
Trading account assets$0
Bank premises and fixed assets$857
Other real estate owned$500
Goodwill and other intangibles$0
All other assets$3,555
Life insurance assets$71,332
Total liabilities and capital$64,077
Total liabilities$63,446
Total deposits$55,907
Interest-bearing deposits$63,446
Deposits held in domestic offices$90
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $631
All other liabilities $7,255
Total equity capital$7,255
Total bank equity capital$7,255
Perpetual preferred stock$0
Common stock$1,625
Surplus$1,944
Undivided profits $3,686
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $116
Earning assets $0
Long-term assets (5+ years) $296
Average Assets, year-to-date $61,024
Average Assets, quarterly $12,449
Volatile liabilities $71,996
Insider loans $71,772
FHLB advances $46,132
Loans and leases held for sale $71,975
Unused loan commitments $2,693
Tier 1 (core) risk-based capital $2,693
Tier 2 risk-based capital $6,620
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,077
Derivatives$332
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $3,520
Total interest expense $504
Net interest income $3,016
Provision for loan and lease losses $212
Total noninterest income $590
Fiduciary activities $0
Service charges on deposit accounts $299
Trading account gains & fees $0
Additional noninterest income $291
Total noninterest expense $2,675
Salaries and employee benefits $1,264
Premises and equipment expense $283
Additional noninterest expense $1,128
Pre-tax net operating income $719
Securities gains (losses) $31
Applicable income taxes $0
Income before extraordinary items $750
Extraordinary gains - net $0
Net income attributable to bank $750
Net charge-offs $0
Cash dividends $750
Sale, conversion, retirement of capital stock, net $508
Net operating income $406
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.79%
Cost of funding earning assets 0.83%
Net interest margin 4.96%
Noninterest income to earning assets 0.97%
Noninterest expense to earning assets 4.40%
Net operating income to assets 1.00%
Return on assets (ROA) 1.04%
Pretax return on assets 1.04%
Return on equity (ROE) 10.87%
Retained earnings to average equity (YTD only) 4.99%
Net charge-offs to loans 1.23%
Credit loss provision to net charge-offs 41.73%
Efficiency ratio1.83%
Assets per employee$74,182
Cash dividends to net income (YTD only)2.55%
Condition Ratios (%)
Loss allowance to loans 54.13%
Loss allowance to noncurrent loans 1.14%
Noncurrent assets plus other real estate owned to assets 402.59%
Noncurrent loans to loans 0.86%
Net loans and leases to deposits0.28%
Net loans and leases to core deposits 63.77%
Equity capital to assets 64.90%
Core capital (leverage) ratio 10.17%
Tier 1 risk-based capital ratio 9.20%
Total risk-based capital ratio 14.35%
Memoranda
Average assets$15
Average earning assets$71,996
Average equity $6,900
Average loans $60,803
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2 Oklahoma Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0330American Exchange Bank510-512 West Main Street, Henryetta, OK 74437January 01, 1933Full Service Brick and Mortar
1181623Drive-In Branch505 West Trudgeon Street, Henryetta, OK 74437November 20, 1972Limited Service Facility
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