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

American Exchange Bank, Lindsay, Oklahoma - Overview

  • General
  • FDIC Certificate #: 2328
    Status: Active
    Federal Reserve ID: 826451
    Bank Holding Company (Regulatory Top Holder): Griffith Family Financial Holdings, L.L.c. (RSSDID: 2816858, Location: Lindsay, OK)
    Date Established: January 01, 1924
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 1544
    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: No
    Asset Concentration Hierarchy: Other Specialized Lending < 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: 402 South Main Street, Lindsay, OK 73052
    County: Garvin
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Oklahoma City
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $44.7 mil
    Equity capital: $5.0 mil
    Deposits held in domestic offices: $38.3 mil
    Return on assets (ROA): 0.81% ($0.4 mil)
    Quarterly return on assets: -1.15% (-$0.5 mil)
    Return on Equity (ROE): 7.18% ($0.4 mil)
    Quarterly return on equity: -9.99% (-$0.5 mil)
    Net income: $0.3 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 1.02% ($455.6 mil)
    Quarterly Pretax return on assets: -0.51% (-$227.8 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
  • 15Total employees (full-time equivalent)
  • $44,666Total assets
  • $1,356Cash and due from depository institutions
  • $350Interest-bearing balances
  • $25,363Securities
  • $4,071Federal funds sold & reverse repurchase agreements
  • $10,997Net loans & leases
  • $1,041Loan loss allowance
  • $0Trading account assets
  • $386Bank premises and fixed assets
  • $33Other real estate owned
  • $0Goodwill and other intangibles
  • $44,667Life insurance assets
  • $2,460All other assets
  • $39,674Total liabilities and capital
  • $38,320Total liabilities
  • $25,961Total deposits
  • $38,320Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,354Subordinated debt
  • $4,993All other liabilities
  • $4,993Total equity capital
  • $4,993Total bank equity capital
  • $0Perpetual preferred stock
  • $350Common stock
  • $1,500Surplus
  • $3,143Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $218Income earned, not collected on loans
  • $0Earning assets
  • $343Long-term assets (5+ years)
  • $40,781Average Assets, year-to-date
  • $12,408Average Assets, quarterly
  • $43,473Volatile liabilities
  • $44,471Insider loans
  • $23,535FHLB advances
  • $45,328Loans and leases held for sale
  • $1,461Unused loan commitments
  • $1,461Tier 1 (core) risk-based capital
  • $4,431Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $719Restructured Loans and leases
  • $75Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,995Total interest income
  • $143Total interest expense
  • $1,852Net interest income
  • $0Provision for loan and lease losses
  • $384Total noninterest income
  • $0Fiduciary activities
  • $143Service charges on deposit accounts
  • $0Trading account gains & fees
  • $241Additional noninterest income
  • $1,811Total noninterest expense
  • $1,069Salaries and employee benefits
  • $118Premises and equipment expense
  • $624Additional noninterest expense
  • $425Pre-tax net operating income
  • $17Securities gains (losses)
  • $92Applicable income taxes
  • $350Income before extraordinary items
  • $0Extraordinary gains - net
  • $350Net income attributable to bank
  • $0Net charge-offs
  • $350Cash dividends
  • -$53Sale, conversion, retirement of capital stock, net
  • $105Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.05%Yield on earning assets
  • 0.36%Cost of funding earning assets
  • 4.69%Net interest margin
  • 0.97%Noninterest income to earning assets
  • 4.58%Noninterest expense to earning assets
  • 0.77%Net operating income to assets
  • 0.81%Return on assets (ROA)
  • 1.02%Pretax return on assets
  • 7.18%Return on equity (ROE)
  • 5.03%Retained earnings to average equity (YTD only)
  • -0.40%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 80,993Assets per employee
  • 2.98%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 30.00%Loss allowance to loans
  • 8.65%Loss allowance to noncurrent loans
  • 477.52%Noncurrent assets plus other real estate owned to assets
  • 0.56%Noncurrent loans to loans
  • 1.81%Net loans and leases to deposits
  • 28.70%Net loans and leases to core deposits
  • 29.47%Equity capital to assets
  • 11.18%Core capital (leverage) ratio
  • 9.78%Tier 1 risk-based capital ratio
  • 18.83%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $43,473Average earning assets
  • $4,874Average equity
  • $39,530Average loans

List of branches

  • 2 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01544American Exchange Bank, Lindsay, Oklahoma402 South Main Street, Lindsay, OK 73052January 01, 1924Full Service Brick and Mortar
    1359643American Exchange405 S. Main Street, Lindsay, OK 73052September 17, 2000Limited Service Loan Production

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