The Bank of Wyandotte in Wyandotte, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Bank of Wyandotte - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Change in Location
  • Financial Summary
  • Total 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
  • 9Total employees (full-time equivalent)
  • $13,619Total assets
  • $775Cash and due from depository institutions
  • $279Interest-bearing balances
  • $4,311Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $7,115Net loans & leases
  • $121Loan loss allowance
  • $0Trading account assets
  • $337Bank premises and fixed assets
  • $201Other real estate owned
  • $0Goodwill and other intangibles
  • $13,619Life insurance assets
  • $880All other assets
  • $12,492Total liabilities and capital
  • $11,887Total liabilities
  • $7,952Total deposits
  • $11,887Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 464.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $141Subordinated debt
  • $1,127All other liabilities
  • $1,127Total equity capital
  • $1,127Total bank equity capital
  • $0Perpetual preferred stock
  • $75Common stock
  • $325Surplus
  • $727Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $159Income earned, not collected on loans
  • $0Earning assets
  • $119Long-term assets (5+ years)
  • $11,705Average Assets, year-to-date
  • $5,310Average Assets, quarterly
  • $14,053Volatile liabilities
  • $13,657Insider loans
  • $9,461FHLB advances
  • $13,671Loans and leases held for sale
  • $458Unused loan commitments
  • $458Tier 1 (core) risk-based capital
  • $958Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $176Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $834Total interest income
  • $100Total interest expense
  • $734Net interest income
  • $76Provision for loan and lease losses
  • $131Total noninterest income
  • $0Fiduciary activities
  • $74Service charges on deposit accounts
  • $0Trading account gains & fees
  • $57Additional noninterest income
  • $640Total noninterest expense
  • $311Salaries and employee benefits
  • $129Premises and equipment expense
  • $200Additional noninterest expense
  • $149Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $149Income before extraordinary items
  • $0Extraordinary gains - net
  • $149Net income attributable to bank
  • $0Net charge-offs
  • $149Cash dividends
  • $57Sale, conversion, retirement of capital stock, net
  • $120Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.82%Yield on earning assets
  • 0.82%Cost of funding earning assets
  • 6.00%Net interest margin
  • 1.07%Noninterest income to earning assets
  • 5.23%Noninterest expense to earning assets
  • 1.06%Net operating income to assets
  • 1.06%Return on assets (ROA)
  • 1.06%Pretax return on assets
  • 13.66%Return on equity (ROE)
  • 2.66%Retained earnings to average equity (YTD only)
  • 0.73%Net charge-offs to loans
  • 133.33%Credit loss provision to net charge-offs
  • 3.95%Efficiency ratio
  • 73,988Assets per employee
  • 1.51%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 80.54%Loss allowance to loans
  • 1.67%Loss allowance to noncurrent loans
  • 76.10%Noncurrent assets plus other real estate owned to assets
  • 2.64%Noncurrent loans to loans
  • 2.20%Net loans and leases to deposits
  • 59.86%Net loans and leases to core deposits
  • 59.86%Equity capital to assets
  • 8.28%Core capital (leverage) ratio
  • 7.01%Tier 1 risk-based capital ratio
  • 10.13%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $14,053Average earning assets
  • $1,091Average equity
  • $12,232Average loans

List of branches

  • 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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