The Exchange Bank in Skiatook, Oklahoma (OK)



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The Exchange Bank
GeneralFDIC Certificate #: 10672
Status: Active
Federal Reserve ID: 316859
Bank Holding Company (Regulatory Top Holder): Skiatook Bancshares, Inc. (RSSDID: 1133129, Location: Skiatook, OK)
Date Established: June 01, 1930
WWW: http://www.exb-ok.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
OTS Docket #: 13904
FDIC's unique #: 6846
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: All Other Specialization < 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: 300 West Rogers, Skiatook, OK 74070
County: Osage
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: $91.7 mil
Equity capital: $8.1 mil
Deposits held in domestic offices: $81.4 mil
Return on assets (ROA): 0.48% ($0.4 mil)
Quarterly return on assets: 0.28% ($0.3 mil)
Return on Equity (ROE): 5.85% ($0.5 mil)
Quarterly return on equity: 3.11% ($0.2 mil)
Net income: $0.4 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.55% ($504.4 mil)
Quarterly Pretax return on assets: 0.56% ($513.6 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)34
Total assets$91,714
Cash and due from depository institutions$12,837
Interest-bearing balances$10,305
Securities$22,678
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$47,779
Loan loss allowance $984
Trading account assets$0
Bank premises and fixed assets$1,888
Other real estate owned$3,290
Goodwill and other intangibles$0
All other assets$3,242
Life insurance assets$91,714
Total liabilities and capital$83,598
Total liabilities$81,359
Total deposits$67,600
Interest-bearing deposits$81,359
Deposits held in domestic offices$90
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$2,000
Other borrowed funds $0
Subordinated debt $239
All other liabilities $8,116
Total equity capital$8,116
Total bank equity capital$8,116
Perpetual preferred stock$0
Common stock$434
Surplus$1,935
Undivided profits $5,747
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 $1,504
Earning assets $111
Long-term assets (5+ years) $457
Average Assets, year-to-date $80,762
Average Assets, quarterly $27,289
Volatile liabilities $92,633
Insider loans $91,412
FHLB advances $51,626
Loans and leases held for sale $90,591
Unused loan commitments $1,002
Tier 1 (core) risk-based capital $1,002
Tier 2 risk-based capital $7,249
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,553
Derivatives$827
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $4,411
Total interest expense $870
Net interest income $3,541
Provision for loan and lease losses $232
Total noninterest income $553
Fiduciary activities $0
Service charges on deposit accounts $705
Trading account gains & fees $0
Additional noninterest income -$152
Total noninterest expense $3,499
Salaries and employee benefits $1,787
Premises and equipment expense $522
Additional noninterest expense $1,190
Pre-tax net operating income $363
Securities gains (losses) $143
Applicable income taxes $64
Income before extraordinary items $442
Extraordinary gains - net $0
Net income attributable to bank $442
Net charge-offs $0
Cash dividends $442
Sale, conversion, retirement of capital stock, net $235
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 assets5.45%
Cost of funding earning assets 1.08%
Net interest margin 4.38%
Noninterest income to earning assets 0.68%
Noninterest expense to earning assets 4.33%
Net operating income to assets 0.34%
Return on assets (ROA) 0.48%
Pretax return on assets 0.55%
Return on equity (ROE) 5.85%
Retained earnings to average equity (YTD only) 5.85%
Net charge-offs to loans 0.45%
Credit loss provision to net charge-offs 98.72%
Efficiency ratio2.53%
Assets per employee$85,467
Cash dividends to net income (YTD only)2.70%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.02%
Noncurrent assets plus other real estate owned to assets 65.43%
Noncurrent loans to loans 5.23%
Net loans and leases to deposits3.08%
Net loans and leases to core deposits 58.73%
Equity capital to assets 61.12%
Core capital (leverage) ratio 8.85%
Tier 1 risk-based capital ratio 8.00%
Total risk-based capital ratio 14.04%
Memoranda
Average assets$15
Average earning assets$92,633
Average equity $7,557
Average loans $80,863
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3 Oklahoma Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
06846The Exchange Bank300 West Rogers, Skiatook, OK 74070June 01, 1930Full Service Brick and Mortar
1222870Sperry Branch111 Highway 11, Sperry, OK 74073October 04, 1984Full Service Brick and Mortar
2364746The Exchange Bank, Owasso9701 East 86th St., N., Owasso, OK 74055August 05, 2002Full Service Brick and Mortar
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