The Exchange Bank in Skiatook, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Exchange Bank - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 34Total employees (full-time equivalent)
  • $91,714Total assets
  • $12,837Cash and due from depository institutions
  • $10,305Interest-bearing balances
  • $22,678Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $47,779Net loans & leases
  • $984Loan loss allowance
  • $0Trading account assets
  • $1,888Bank premises and fixed assets
  • $3,290Other real estate owned
  • $0Goodwill and other intangibles
  • $91,714Life insurance assets
  • $3,242All other assets
  • $83,598Total liabilities and capital
  • $81,359Total liabilities
  • $67,600Total deposits
  • $81,359Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,000Trading liabilities
  • $0Other borrowed funds
  • $239Subordinated debt
  • $8,116All other liabilities
  • $8,116Total equity capital
  • $8,116Total bank equity capital
  • $0Perpetual preferred stock
  • $434Common stock
  • $1,935Surplus
  • $5,747Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,504Income earned, not collected on loans
  • $111Earning assets
  • $457Long-term assets (5+ years)
  • $80,762Average Assets, year-to-date
  • $27,289Average Assets, quarterly
  • $92,633Volatile liabilities
  • $91,412Insider loans
  • $51,626FHLB advances
  • $90,591Loans and leases held for sale
  • $1,002Unused loan commitments
  • $1,002Tier 1 (core) risk-based capital
  • $7,249Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,553Restructured Loans and leases
  • $827Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,411Total interest income
  • $870Total interest expense
  • $3,541Net interest income
  • $232Provision for loan and lease losses
  • $553Total noninterest income
  • $0Fiduciary activities
  • $705Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$152Additional noninterest income
  • $3,499Total noninterest expense
  • $1,787Salaries and employee benefits
  • $522Premises and equipment expense
  • $1,190Additional noninterest expense
  • $363Pre-tax net operating income
  • $143Securities gains (losses)
  • $64Applicable income taxes
  • $442Income before extraordinary items
  • $0Extraordinary gains - net
  • $442Net income attributable to bank
  • $0Net charge-offs
  • $442Cash dividends
  • $235Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.45%Yield on earning assets
  • 1.08%Cost of funding earning assets
  • 4.38%Net interest margin
  • 0.68%Noninterest income to earning assets
  • 4.33%Noninterest expense to earning assets
  • 0.34%Net operating income to assets
  • 0.48%Return on assets (ROA)
  • 0.55%Pretax return on assets
  • 5.85%Return on equity (ROE)
  • 5.85%Retained earnings to average equity (YTD only)
  • 0.45%Net charge-offs to loans
  • 98.72%Credit loss provision to net charge-offs
  • 2.53%Efficiency ratio
  • 85,467Assets per employee
  • 2.70%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.02%Loss allowance to noncurrent loans
  • 65.43%Noncurrent assets plus other real estate owned to assets
  • 5.23%Noncurrent loans to loans
  • 3.08%Net loans and leases to deposits
  • 58.73%Net loans and leases to core deposits
  • 61.12%Equity capital to assets
  • 8.85%Core capital (leverage) ratio
  • 8.00%Tier 1 risk-based capital ratio
  • 14.04%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $92,633Average earning assets
  • $7,557Average equity
  • $80,863Average loans

List of branches

  • 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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