Exchange Bank and Trust Company in Perry, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

Exchange Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 13366
    Status: Active
    Federal Reserve ID: 456755
    Bank Holding Company (Regulatory Top Holder): Perry Bancshares, Inc. (RSSDID: 1064175, Location: Perry, OK)
    Date Established: Febuary 20, 1896
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 8421
    Numeric code: 13
    Regulator: FED
    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: 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: 523 Delaware Street, Perry, OK 73077
    County: Noble
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $208.3 mil
    Equity capital: $19.3 mil
    Deposits held in domestic offices: $178.4 mil
    Return on assets (ROA): 1.91% ($4.0 mil)
    Quarterly return on assets: 2.13% ($4.4 mil)
    Return on Equity (ROE): 21.34% ($4.1 mil)
    Quarterly return on equity: 22.89% ($4.3 mil)
    Net income: $3.7 mil
    Quarterly Net income: $1.1 mil
    Pretax return on assets: 1.91% ($3,979.1 mil)
    Quarterly Pretax return on assets: 2.13% ($4,437.5 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
  • 48Total employees (full-time equivalent)
  • $208,332Total assets
  • $2,524Cash and due from depository institutions
  • $453Interest-bearing balances
  • $57,941Securities
  • $2,181Federal funds sold & reverse repurchase agreements
  • $135,172Net loans & leases
  • $1,752Loan loss allowance
  • $0Trading account assets
  • $5,695Bank premises and fixed assets
  • $0Other real estate owned
  • $72Goodwill and other intangibles
  • $208,333Life insurance assets
  • $4,747All other assets
  • $189,062Total liabilities and capital
  • $178,450Total liabilities
  • $160,241Total deposits
  • $178,450Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,200Trading liabilities
  • $0Other borrowed funds
  • $412Subordinated debt
  • $19,271All other liabilities
  • $19,271Total equity capital
  • $19,271Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $7,750Surplus
  • $10,521Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,397Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $905Income earned, not collected on loans
  • $0Earning assets
  • $1,408Long-term assets (5+ years)
  • $195,747Average Assets, year-to-date
  • $96,753Average Assets, quarterly
  • $194,491Volatile liabilities
  • $203,647Insider loans
  • $137,725FHLB advances
  • $201,203Loans and leases held for sale
  • $1,982Unused loan commitments
  • $1,982Tier 1 (core) risk-based capital
  • $17,057Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $16,287Restructured Loans and leases
  • $1,194Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,786Total interest income
  • $1,908Total interest expense
  • $8,878Net interest income
  • $600Provision for loan and lease losses
  • $1,100Total noninterest income
  • $0Fiduciary activities
  • $696Service charges on deposit accounts
  • $0Trading account gains & fees
  • $404Additional noninterest income
  • $5,721Total noninterest expense
  • $3,331Salaries and employee benefits
  • $884Premises and equipment expense
  • $1,506Additional noninterest expense
  • $3,657Pre-tax net operating income
  • $66Securities gains (losses)
  • $0Applicable income taxes
  • $3,723Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,723Net income attributable to bank
  • $0Net charge-offs
  • $3,723Cash dividends
  • $247Sale, conversion, retirement of capital stock, net
  • $1,657Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.91%Yield on earning assets
  • 1.05%Cost of funding earning assets
  • 4.86%Net interest margin
  • 0.60%Noninterest income to earning assets
  • 3.13%Noninterest expense to earning assets
  • 1.88%Net operating income to assets
  • 1.91%Return on assets (ROA)
  • 1.91%Pretax return on assets
  • 21.34%Return on equity (ROE)
  • 11.84%Retained earnings to average equity (YTD only)
  • 0.19%Net charge-offs to loans
  • 242.91%Credit loss provision to net charge-offs
  • 17.23%Efficiency ratio
  • 56,875Assets per employee
  • 4.34%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 44.51%Loss allowance to loans
  • 1.28%Loss allowance to noncurrent loans
  • 193.59%Noncurrent assets plus other real estate owned to assets
  • 0.43%Noncurrent loans to loans
  • 0.66%Net loans and leases to deposits
  • 75.75%Net loans and leases to core deposits
  • 84.48%Equity capital to assets
  • 9.25%Core capital (leverage) ratio
  • 8.48%Tier 1 risk-based capital ratio
  • 12.38%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $194,491Average earning assets
  • $17,450Average equity
  • $182,565Average loans

Total Fiduciary and Related Assets (December 31, 2001)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $584Managed Assets
  • 1Number of Accounts
  • $584Personal trust and agency accounts
  • $584Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 3Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 2 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08421Exchange Bank And Trust Company523 Delaware Street, Perry, OK 73077Febuary 20, 1896Full Service Brick and Mortar
    2476608Stillwater Branch4301 W. 6th, Stillwater, OK 74074June 09, 2008Full Service Brick and Mortar

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