Exchange Bank and Trust Company in Perry, Oklahoma (OK)

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Exchange Bank and Trust Company
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)48
Total assets$208,332
Cash and due from depository institutions$2,524
Interest-bearing balances$453
Federal funds sold & reverse repurchase agreements$2,181
Net loans & leases$135,172
Loan loss allowance $1,752
Trading account assets$0
Bank premises and fixed assets$5,695
Other real estate owned$0
Goodwill and other intangibles$72
All other assets$4,747
Life insurance assets$208,333
Total liabilities and capital$189,062
Total liabilities$178,450
Total deposits$160,241
Interest-bearing deposits$178,450
Deposits held in domestic offices$88
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$10,200
Other borrowed funds $0
Subordinated debt $412
All other liabilities $19,271
Total equity capital$19,271
Total bank equity capital$19,271
Perpetual preferred stock$0
Common stock$1,000
Undivided profits $10,521
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $1,397
Income earned, not collected on loans $905
Earning assets $0
Long-term assets (5+ years) $1,408
Average Assets, year-to-date $195,747
Average Assets, quarterly $96,753
Volatile liabilities $194,491
Insider loans $203,647
FHLB advances $137,725
Loans and leases held for sale $201,203
Unused loan commitments $1,982
Tier 1 (core) risk-based capital $1,982
Tier 2 risk-based capital $17,057
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $16,287
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $10,786
Total interest expense $1,908
Net interest income $8,878
Provision for loan and lease losses $600
Total noninterest income $1,100
Fiduciary activities $0
Service charges on deposit accounts $696
Trading account gains & fees $0
Additional noninterest income $404
Total noninterest expense $5,721
Salaries and employee benefits $3,331
Premises and equipment expense $884
Additional noninterest expense $1,506
Pre-tax net operating income $3,657
Securities gains (losses) $66
Applicable income taxes $0
Income before extraordinary items $3,723
Extraordinary gains - net $0
Net income attributable to bank $3,723
Net charge-offs $0
Cash dividends $3,723
Sale, conversion, retirement of capital stock, net $247
Net operating income $1,657
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.91%
Cost of funding earning assets 1.05%
Net interest margin 4.86%
Noninterest income to earning assets 0.60%
Noninterest expense to earning assets 3.13%
Net operating income to assets 1.88%
Return on assets (ROA) 1.91%
Pretax return on assets 1.91%
Return on equity (ROE) 21.34%
Retained earnings to average equity (YTD only) 11.84%
Net charge-offs to loans 0.19%
Credit loss provision to net charge-offs 242.91%
Efficiency ratio17.23%
Assets per employee$56,875
Cash dividends to net income (YTD only)4.34%
Condition Ratios (%)
Loss allowance to loans 44.51%
Loss allowance to noncurrent loans 1.28%
Noncurrent assets plus other real estate owned to assets 193.59%
Noncurrent loans to loans 0.43%
Net loans and leases to deposits0.66%
Net loans and leases to core deposits 75.75%
Equity capital to assets 84.48%
Core capital (leverage) ratio 9.25%
Tier 1 risk-based capital ratio 8.48%
Total risk-based capital ratio 12.38%
Average assets$14
Average earning assets$194,491
Average equity $17,450
Average loans $182,565
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Total Fiduciary and Related Assets (December 31, 2001)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$584
Number of Accounts1
Personal trust and agency accounts$584
Employee benefit-defined contribution accounts$584
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts3
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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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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