The American Bank in Wagoner, Oklahoma (OK)

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The American Bank routing number info

Table of contents:
The American Bank
GeneralFDIC Certificate #: 2312
Status: Active
Federal Reserve ID: 287856
Date Established: December 27, 1927
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Domestic: 1, Interstate: No)
FDIC's unique #: 1530
Numeric code: 21
Regulator: FDIC
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: No
Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
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: 201 East Cherokee Street, Wagoner, OK 74467
County: Wagoner
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
Metropolitan Statistical Area (MSA): Tulsa, OK (#8560)
Combined Statistical Area (CSA): Tulsa-Bartlesville, OK (#538)
Core Based Statistical Area (CBSA): Tulsa, OK (#46140)
CBSA Metro Statistical Area: Tulsa, OK (#46140)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $28.4 mil
Equity capital: $6.1 mil
Deposits held in domestic offices: $22.1 mil
Return on assets (ROA): 0.38% ($0.1 mil)
Quarterly return on assets: 0.18% ($0.1 mil)
Return on Equity (ROE): 1.82% ($0.1 mil)
Quarterly return on equity: 0.85% ($0.1 mil)
Net income: $0.1 mil
Quarterly Net income: $0.0 mil
Pretax return on assets: 0.38% ($108.0 mil)
Quarterly Pretax return on assets: 0.15% ($42.6 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)14
Total assets$28,419
Cash and due from depository institutions$6,936
Interest-bearing balances$5,547
Federal funds sold & reverse repurchase agreements$373
Net loans & leases$7,354
Loan loss allowance $251
Trading account assets$0
Bank premises and fixed assets$535
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$264
Life insurance assets$28,419
Total liabilities and capital$22,286
Total liabilities$22,050
Total deposits$16,670
Interest-bearing deposits$22,050
Deposits held in domestic offices$90
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $236
All other liabilities $6,133
Total equity capital$6,133
Total bank equity capital$6,133
Perpetual preferred stock$0
Common stock$200
Undivided profits $5,733
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 $0
Earning assets $0
Long-term assets (5+ years) $210
Average Assets, year-to-date $26,231
Average Assets, quarterly $7,320
Volatile liabilities $29,097
Insider loans $29,130
FHLB advances $10,951
Loans and leases held for sale $30,002
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $6,133
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $224
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $954
Total interest expense $70
Net interest income $884
Provision for loan and lease losses $45
Total noninterest income $230
Fiduciary activities $0
Service charges on deposit accounts $165
Trading account gains & fees $0
Additional noninterest income $65
Total noninterest expense $958
Salaries and employee benefits $491
Premises and equipment expense $235
Additional noninterest expense $232
Pre-tax net operating income $111
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $111
Extraordinary gains - net $0
Net income attributable to bank $111
Net charge-offs $0
Cash dividends $111
Sale, conversion, retirement of capital stock, net $35
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.69%
Cost of funding earning assets 0.27%
Net interest margin 3.42%
Noninterest income to earning assets 0.89%
Noninterest expense to earning assets 3.71%
Net operating income to assets 0.38%
Return on assets (ROA) 0.38%
Pretax return on assets 0.38%
Return on equity (ROE) 1.82%
Retained earnings to average equity (YTD only) 1.82%
Net charge-offs to loans 0.44%
Credit loss provision to net charge-offs 128.57%
Efficiency ratio4.46%
Assets per employee$85,996
Cash dividends to net income (YTD only)2.03%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 3.30%
Noncurrent assets plus other real estate owned to assets 0.00%
Noncurrent loans to loans 0.00%
Net loans and leases to deposits0.00%
Net loans and leases to core deposits 33.35%
Equity capital to assets 35.67%
Core capital (leverage) ratio 21.58%
Tier 1 risk-based capital ratio 20.44%
Total risk-based capital ratio 56.00%
Average assets$57
Average earning assets$29,097
Average equity $6,093
Average loans $25,830
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1 Oklahoma Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
01530The American Bank201 East Cherokee Street, Wagoner, OK 74467December 27, 1927Full Service Brick and Mortar
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