The Bank of Wyandotte in Wyandotte, Oklahoma (OK)



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The Bank of Wyandotte routing number info

Table of contents:
The Bank of Wyandotte
GeneralFDIC Certificate #: 2317
Status: Active
Federal Reserve ID: 59754
Bank Holding Company (Regulatory Top Holder): United Capital Bancshares, Inc. (RSSDID: 1063105, Location: Wyandotte, OK)
Date Established: September 27, 1902
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 1 (Domestic: 1, Interstate: No)
FDIC's unique #: 1534
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: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: June 01, 2010
Last Structure Change Process Date: June 01, 2010
Last Data Update: June 01, 2010
Data Source Date: April 05, 2012
LocationAddress: 2 E Broadway, Wyandotte, OK 74370
County: Ottawa
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Kansas City
FDIC Field Office: Tulsa
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Core Based Statistical Area (CBSA): Miami, OK (#33060)
CBSA Micro Statistical Area: Yes
History of ChangesChange in Location
Financial SummaryTotal assets: $13.6 mil
Equity capital: $1.1 mil
Deposits held in domestic offices: $11.9 mil
Return on assets (ROA): 1.06% ($0.1 mil)
Quarterly return on assets: 0.76% ($0.1 mil)
Return on Equity (ROE): 13.66% ($0.1 mil)
Quarterly return on equity: 8.82% ($0.1 mil)
Net income: $0.1 mil
Quarterly Net income: $0.0 mil
Pretax return on assets: 1.06% ($144.4 mil)
Quarterly Pretax return on assets: 0.76% ($103.5 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)9
Total assets$13,619
Cash and due from depository institutions$775
Interest-bearing balances$279
Securities$4,311
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$7,115
Loan loss allowance $121
Trading account assets$0
Bank premises and fixed assets$337
Other real estate owned$201
Goodwill and other intangibles$0
All other assets$880
Life insurance assets$13,619
Total liabilities and capital$12,492
Total liabilities$11,887
Total deposits$7,952
Interest-bearing deposits$11,887
Deposits held in domestic offices$94
% insured (estimated)464.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $141
All other liabilities $1,127
Total equity capital$1,127
Total bank equity capital$1,127
Perpetual preferred stock$0
Common stock$75
Surplus$325
Undivided profits $727
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 $159
Earning assets $0
Long-term assets (5+ years) $119
Average Assets, year-to-date $11,705
Average Assets, quarterly $5,310
Volatile liabilities $14,053
Insider loans $13,657
FHLB advances $9,461
Loans and leases held for sale $13,671
Unused loan commitments $458
Tier 1 (core) risk-based capital $458
Tier 2 risk-based capital $958
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $176
Derivatives$0
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $834
Total interest expense $100
Net interest income $734
Provision for loan and lease losses $76
Total noninterest income $131
Fiduciary activities $0
Service charges on deposit accounts $74
Trading account gains & fees $0
Additional noninterest income $57
Total noninterest expense $640
Salaries and employee benefits $311
Premises and equipment expense $129
Additional noninterest expense $200
Pre-tax net operating income $149
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $149
Extraordinary gains - net $0
Net income attributable to bank $149
Net charge-offs $0
Cash dividends $149
Sale, conversion, retirement of capital stock, net $57
Net operating income $120
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets6.82%
Cost of funding earning assets 0.82%
Net interest margin 6.00%
Noninterest income to earning assets 1.07%
Noninterest expense to earning assets 5.23%
Net operating income to assets 1.06%
Return on assets (ROA) 1.06%
Pretax return on assets 1.06%
Return on equity (ROE) 13.66%
Retained earnings to average equity (YTD only) 2.66%
Net charge-offs to loans 0.73%
Credit loss provision to net charge-offs 133.33%
Efficiency ratio3.95%
Assets per employee$73,988
Cash dividends to net income (YTD only)1.51%
Condition Ratios (%)
Loss allowance to loans 80.54%
Loss allowance to noncurrent loans 1.67%
Noncurrent assets plus other real estate owned to assets 76.10%
Noncurrent loans to loans 2.64%
Net loans and leases to deposits2.20%
Net loans and leases to core deposits 59.86%
Equity capital to assets 59.86%
Core capital (leverage) ratio 8.28%
Tier 1 risk-based capital ratio 7.01%
Total risk-based capital ratio 10.13%
Memoranda
Average assets$11
Average earning assets$14,053
Average equity $1,091
Average loans $12,232
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1 Oklahoma Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
01534The Bank Of Wyandotte2 E Broadway, Wyandotte, OK 74370September 27, 1902Full Service Brick and Mortar
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