Stroud National Bank in Stroud, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Stroud National Bank in Stroud, Oklahoma (OK)
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Stroud National Bank - Overview

  • General
  • FDIC Certificate #: 4204
    Status: Active
    Federal Reserve ID: 521952
    Bank Holding Company (Regulatory Top Holder): Stroud Bancorp., Inc. (RSSDID: 1141058, Location: Stroud, OK)
    Date Established: March 16, 1898
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 11047
    FDIC's unique #: 2756
    Numeric code: 3
    Regulator: OCC
    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: No
    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: 300 West Main, Stroud, OK 74079
    County: Lincoln
    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): Oklahoma City-Shawnee, OK (#416)
    Core Based Statistical Area (CBSA): Oklahoma City, OK (#36420)
    CBSA Metro Statistical Area: Oklahoma City, OK (#36420)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $76.7 mil
    Equity capital: $8.6 mil
    Deposits held in domestic offices: $57.9 mil
    Return on assets (ROA): 0.55% ($0.4 mil)
    Quarterly return on assets: 0.97% ($0.7 mil)
    Return on Equity (ROE): 5.36% ($0.5 mil)
    Quarterly return on equity: 8.83% ($0.8 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.55% ($422.0 mil)
    Quarterly Pretax return on assets: 0.97% ($744.2 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
  • 34Total employees (full-time equivalent)
  • $76,725Total assets
  • $2,644Cash and due from depository institutions
  • $142Interest-bearing balances
  • $18,166Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $49,216Net loans & leases
  • $1,058Loan loss allowance
  • $0Trading account assets
  • $3,093Bank premises and fixed assets
  • $298Other real estate owned
  • $0Goodwill and other intangibles
  • $76,725Life insurance assets
  • $3,308All other assets
  • $68,108Total liabilities and capital
  • $57,875Total liabilities
  • $46,272Total deposits
  • $57,875Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 157.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $9,330Trading liabilities
  • $0Other borrowed funds
  • $746Subordinated debt
  • $8,617All other liabilities
  • $8,617Total equity capital
  • $8,617Total bank equity capital
  • $0Perpetual preferred stock
  • $750Common stock
  • $750Surplus
  • $7,117Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,595Income earned, not collected on loans
  • $0Earning assets
  • $378Long-term assets (5+ years)
  • $67,524Average Assets, year-to-date
  • $14,086Average Assets, quarterly
  • $79,163Volatile liabilities
  • $77,823Insider loans
  • $52,598FHLB advances
  • $77,084Loans and leases held for sale
  • $1,363Unused loan commitments
  • $1,363Tier 1 (core) risk-based capital
  • $7,855Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,949Restructured Loans and leases
  • $341Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,373Total interest income
  • $912Total interest expense
  • $3,461Net interest income
  • $359Provision for loan and lease losses
  • $793Total noninterest income
  • $0Fiduciary activities
  • $475Service charges on deposit accounts
  • $0Trading account gains & fees
  • $318Additional noninterest income
  • $3,486Total noninterest expense
  • $1,832Salaries and employee benefits
  • $599Premises and equipment expense
  • $1,055Additional noninterest expense
  • $409Pre-tax net operating income
  • $25Securities gains (losses)
  • $0Applicable income taxes
  • $434Income before extraordinary items
  • $0Extraordinary gains - net
  • $434Net income attributable to bank
  • $0Net charge-offs
  • $434Cash dividends
  • $292Sale, conversion, retirement of capital stock, net
  • $230Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.22%Yield on earning assets
  • 1.30%Cost of funding earning assets
  • 4.92%Net interest margin
  • 1.13%Noninterest income to earning assets
  • 4.96%Noninterest expense to earning assets
  • 0.52%Net operating income to assets
  • 0.55%Return on assets (ROA)
  • 0.55%Pretax return on assets
  • 5.36%Return on equity (ROE)
  • 2.52%Retained earnings to average equity (YTD only)
  • 0.55%Net charge-offs to loans
  • 122.95%Credit loss provision to net charge-offs
  • 2.63%Efficiency ratio
  • 81,946Assets per employee
  • 2.26%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 53.00%Loss allowance to loans
  • 2.10%Loss allowance to noncurrent loans
  • 66.33%Noncurrent assets plus other real estate owned to assets
  • 2.47%Noncurrent loans to loans
  • 3.17%Net loans and leases to deposits
  • 85.04%Net loans and leases to core deposits
  • 86.57%Equity capital to assets
  • 11.23%Core capital (leverage) ratio
  • 10.19%Tier 1 risk-based capital ratio
  • 14.93%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $79,163Average earning assets
  • $8,094Average equity
  • $70,288Average loans

List of branches

  • 3 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02756Stroud National Bank300 West Main, Stroud, OK 74079March 16, 1898Full Service Brick and Mortar
    19109Wellston Branch215 Second Street, Wellston, OK 74881January 01, 1902Full Service Brick and Mortar
    2440690Perkins Branch830 N Main Street, Perkins, OK 74059May 02, 2005Full Service Brick and Mortar

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