Stroud National Bank in Stroud, Oklahoma (OK)



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Stroud National Bank
GeneralFDIC 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
WWW: http://www.stroudnb.com
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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)34
Total assets$76,725
Cash and due from depository institutions$2,644
Interest-bearing balances$142
Securities$18,166
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$49,216
Loan loss allowance $1,058
Trading account assets$0
Bank premises and fixed assets$3,093
Other real estate owned$298
Goodwill and other intangibles$0
All other assets$3,308
Life insurance assets$76,725
Total liabilities and capital$68,108
Total liabilities$57,875
Total deposits$46,272
Interest-bearing deposits$57,875
Deposits held in domestic offices$96
% insured (estimated)157.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$9,330
Other borrowed funds $0
Subordinated debt $746
All other liabilities $8,617
Total equity capital$8,617
Total bank equity capital$8,617
Perpetual preferred stock$0
Common stock$750
Surplus$750
Undivided profits $7,117
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,595
Earning assets $0
Long-term assets (5+ years) $378
Average Assets, year-to-date $67,524
Average Assets, quarterly $14,086
Volatile liabilities $79,163
Insider loans $77,823
FHLB advances $52,598
Loans and leases held for sale $77,084
Unused loan commitments $1,363
Tier 1 (core) risk-based capital $1,363
Tier 2 risk-based capital $7,855
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,949
Derivatives$341
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $4,373
Total interest expense $912
Net interest income $3,461
Provision for loan and lease losses $359
Total noninterest income $793
Fiduciary activities $0
Service charges on deposit accounts $475
Trading account gains & fees $0
Additional noninterest income $318
Total noninterest expense $3,486
Salaries and employee benefits $1,832
Premises and equipment expense $599
Additional noninterest expense $1,055
Pre-tax net operating income $409
Securities gains (losses) $25
Applicable income taxes $0
Income before extraordinary items $434
Extraordinary gains - net $0
Net income attributable to bank $434
Net charge-offs $0
Cash dividends $434
Sale, conversion, retirement of capital stock, net $292
Net operating income $230
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets6.22%
Cost of funding earning assets 1.30%
Net interest margin 4.92%
Noninterest income to earning assets 1.13%
Noninterest expense to earning assets 4.96%
Net operating income to assets 0.52%
Return on assets (ROA) 0.55%
Pretax return on assets 0.55%
Return on equity (ROE) 5.36%
Retained earnings to average equity (YTD only) 2.52%
Net charge-offs to loans 0.55%
Credit loss provision to net charge-offs 122.95%
Efficiency ratio2.63%
Assets per employee$81,946
Cash dividends to net income (YTD only)2.26%
Condition Ratios (%)
Loss allowance to loans 53.00%
Loss allowance to noncurrent loans 2.10%
Noncurrent assets plus other real estate owned to assets 66.33%
Noncurrent loans to loans 2.47%
Net loans and leases to deposits3.17%
Net loans and leases to core deposits 85.04%
Equity capital to assets 86.57%
Core capital (leverage) ratio 11.23%
Tier 1 risk-based capital ratio 10.19%
Total risk-based capital ratio 14.93%
Memoranda
Average assets$16
Average earning assets$79,163
Average equity $8,094
Average loans $70,288
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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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