American Exchange Bank in Henryetta, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches


American Exchange Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 28Total employees (full-time equivalent)
  • $71,332Total assets
  • $6,996Cash and due from depository institutions
  • $1,600Interest-bearing balances
  • $18,842Securities
  • $125Federal funds sold & reverse repurchase agreements
  • $40,457Net loans & leases
  • $467Loan loss allowance
  • $0Trading account assets
  • $857Bank premises and fixed assets
  • $500Other real estate owned
  • $0Goodwill and other intangibles
  • $71,332Life insurance assets
  • $3,555All other assets
  • $64,077Total liabilities and capital
  • $63,446Total liabilities
  • $55,907Total deposits
  • $63,446Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $631Subordinated debt
  • $7,255All other liabilities
  • $7,255Total equity capital
  • $7,255Total bank equity capital
  • $0Perpetual preferred stock
  • $1,625Common stock
  • $1,944Surplus
  • $3,686Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $116Income earned, not collected on loans
  • $0Earning assets
  • $296Long-term assets (5+ years)
  • $61,024Average Assets, year-to-date
  • $12,449Average Assets, quarterly
  • $71,996Volatile liabilities
  • $71,772Insider loans
  • $46,132FHLB advances
  • $71,975Loans and leases held for sale
  • $2,693Unused loan commitments
  • $2,693Tier 1 (core) risk-based capital
  • $6,620Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,077Restructured Loans and leases
  • $332Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,520Total interest income
  • $504Total interest expense
  • $3,016Net interest income
  • $212Provision for loan and lease losses
  • $590Total noninterest income
  • $0Fiduciary activities
  • $299Service charges on deposit accounts
  • $0Trading account gains & fees
  • $291Additional noninterest income
  • $2,675Total noninterest expense
  • $1,264Salaries and employee benefits
  • $283Premises and equipment expense
  • $1,128Additional noninterest expense
  • $719Pre-tax net operating income
  • $31Securities gains (losses)
  • $0Applicable income taxes
  • $750Income before extraordinary items
  • $0Extraordinary gains - net
  • $750Net income attributable to bank
  • $0Net charge-offs
  • $750Cash dividends
  • $508Sale, conversion, retirement of capital stock, net
  • $406Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.79%Yield on earning assets
  • 0.83%Cost of funding earning assets
  • 4.96%Net interest margin
  • 0.97%Noninterest income to earning assets
  • 4.40%Noninterest expense to earning assets
  • 1.00%Net operating income to assets
  • 1.04%Return on assets (ROA)
  • 1.04%Pretax return on assets
  • 10.87%Return on equity (ROE)
  • 4.99%Retained earnings to average equity (YTD only)
  • 1.23%Net charge-offs to loans
  • 41.73%Credit loss provision to net charge-offs
  • 1.83%Efficiency ratio
  • 74,182Assets per employee
  • 2.55%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 54.13%Loss allowance to loans
  • 1.14%Loss allowance to noncurrent loans
  • 402.59%Noncurrent assets plus other real estate owned to assets
  • 0.86%Noncurrent loans to loans
  • 0.28%Net loans and leases to deposits
  • 63.77%Net loans and leases to core deposits
  • 64.90%Equity capital to assets
  • 10.17%Core capital (leverage) ratio
  • 9.20%Tier 1 risk-based capital ratio
  • 14.35%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $71,996Average earning assets
  • $6,900Average equity
  • $60,803Average loans

List of branches

  • 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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