Stroud National Bank in city_name, state_name - Detailed Financial Reports, Location

Stroud National Bank in Stroud, Oklahoma (OK)
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Stroud National Bank routing number info

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
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
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

No	ID	Name	Address	Established	Service Type
0	2756	Stroud National Bank	300 West Main, Stroud, OK 74079	March 16, 1898	Full Service Brick and Mortar
1	9109	Wellston Branch	215 Second Street, Wellston, OK 74881	January 01, 1902	Full Service Brick and Mortar
2	440690	Perkins Branch	830 N Main Street, Perkins, OK 74059	May 02, 2005	Full Service Brick and Mortar

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

Stroud National Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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

Stroud National Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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