Bank of Hydro in Hydro, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Hydro - Overview

  • General
  • FDIC Certificate #: 10674
    Status: Active
    Federal Reserve ID: 291059
    Bank Holding Company (Regulatory Top Holder): Hydro Bancshares, Inc. (RSSDID: 1057168, Location: Hydro, OK)
    Date Established: October 01, 1903
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 11619
    FDIC's unique #: 6848
    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: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: November 01, 2011
    Last Structure Change Process Date: November 01, 2011
    Last Data Update: November 01, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 146 West Main Street, Hydro, OK 73048
    County: Caddo
    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
  • Financial Summary
  • Total assets: $115.2 mil
    Equity capital: $9.2 mil
    Deposits held in domestic offices: $98.8 mil
    Return on assets (ROA): 2.54% ($2.9 mil)
    Quarterly return on assets: 2.51% ($2.9 mil)
    Return on Equity (ROE): 31.74% ($2.9 mil)
    Quarterly return on equity: 31.74% ($2.9 mil)
    Net income: $2.9 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 2.54% ($2,927.1 mil)
    Quarterly Pretax return on assets: 2.51% ($2,892.6 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
  • 18Total employees (full-time equivalent)
  • $115,242Total assets
  • $1,848Cash and due from depository institutions
  • $0Interest-bearing balances
  • $641Securities
  • $3,840Federal funds sold & reverse repurchase agreements
  • $104,601Net loans & leases
  • $1,113Loan loss allowance
  • $0Trading account assets
  • $1,014Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $115,242Life insurance assets
  • $3,298All other assets
  • $106,027Total liabilities and capital
  • $98,792Total liabilities
  • $74,347Total deposits
  • $98,792Interest-bearing deposits
  • $70Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,965Trading liabilities
  • $0Other borrowed funds
  • $1,270Subordinated debt
  • $9,215All other liabilities
  • $9,215Total equity capital
  • $9,215Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $3,750Surplus
  • $4,965Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $663Long-term assets (5+ years)
  • $109,082Average Assets, year-to-date
  • $28,606Average Assets, quarterly
  • $112,501Volatile liabilities
  • $115,654Insider loans
  • $95,834FHLB advances
  • $113,786Loans and leases held for sale
  • $1,486Unused loan commitments
  • $1,486Tier 1 (core) risk-based capital
  • $9,213Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,388Restructured Loans and leases
  • $171Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,514Total interest income
  • $1,198Total interest expense
  • $4,316Net interest income
  • $0Provision for loan and lease losses
  • $522Total noninterest income
  • $0Fiduciary activities
  • $260Service charges on deposit accounts
  • $0Trading account gains & fees
  • $262Additional noninterest income
  • $1,972Total noninterest expense
  • $1,100Salaries and employee benefits
  • $192Premises and equipment expense
  • $680Additional noninterest expense
  • $2,866Pre-tax net operating income
  • -$9Securities gains (losses)
  • $0Applicable income taxes
  • $2,857Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,857Net income attributable to bank
  • $0Net charge-offs
  • $2,857Cash dividends
  • -$81Sale, conversion, retirement of capital stock, net
  • $2,429Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.18%Yield on earning assets
  • 1.13%Cost of funding earning assets
  • 4.05%Net interest margin
  • 0.49%Noninterest income to earning assets
  • 1.85%Noninterest expense to earning assets
  • 2.55%Net operating income to assets
  • 2.54%Return on assets (ROA)
  • 2.54%Pretax return on assets
  • 31.74%Return on equity (ROE)
  • 4.75%Retained earnings to average equity (YTD only)
  • -0.08%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 40,761Assets per employee
  • 6.40%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 85.02%Loss allowance to loans
  • 1.05%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 105.88%Net loans and leases to core deposits
  • 112.57%Equity capital to assets
  • 8.00%Core capital (leverage) ratio
  • 8.10%Tier 1 risk-based capital ratio
  • 9.61%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $112,501Average earning assets
  • $9,002Average equity
  • $106,440Average loans

List of branches

  • 3 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06848Bank Of Hydro146 West Main Street, Hydro, OK 73048October 01, 1903Full Service Brick and Mortar
    1222873Eakly BranchMain And Sims Streets, Eakly, OK 73033Febuary 06, 1984Full Service Brick and Mortar
    2434093Weatherford Branch406 North Washington Avenue, Weatherford, OK 73096October 18, 2004Full Service Brick and Mortar

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