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


  • The Stock Exchange Bank in Woodward, Oklahoma (OK)
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The Stock Exchange Bank - Overview

  • General
  • FDIC Certificate #: 414
    Status: Active
    Federal Reserve ID: 958558
    Bank Holding Company (Regulatory Top Holder): Stock Exchange Bancshares, Inc. (RSSDID: 1067345, Location: Woodward, OK)
    Date Established: January 03, 1903
    WWW: http://www.stockexchangebank.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)
    FDIC's unique #: 319
    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
  • Location
  • Address: 1117 Tenth Street, Woodward, OK 73801
    County: Woodward
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Oklahoma City
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Woodward, OK (#49260)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $223.6 mil
    Equity capital: $24.3 mil
    Deposits held in domestic offices: $198.0 mil
    Return on assets (ROA): 0.84% ($1.9 mil)
    Quarterly return on assets: 1.10% ($2.5 mil)
    Return on Equity (ROE): 7.28% ($1.7 mil)
    Quarterly return on equity: 9.86% ($2.4 mil)
    Net income: $1.7 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 0.94% ($2,101.8 mil)
    Quarterly Pretax return on assets: 0.84% ($1,878.2 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
  • 49Total employees (full-time equivalent)
  • $223,592Total assets
  • $11,567Cash and due from depository institutions
  • $4,735Interest-bearing balances
  • $134,379Securities
  • $6,651Federal funds sold & reverse repurchase agreements
  • $60,902Net loans & leases
  • $1,786Loan loss allowance
  • $0Trading account assets
  • $3,523Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $223,592Life insurance assets
  • $6,570All other assets
  • $199,273Total liabilities and capital
  • $197,990Total liabilities
  • $159,767Total deposits
  • $197,990Interest-bearing deposits
  • $75Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,283Subordinated debt
  • $24,319All other liabilities
  • $24,319Total equity capital
  • $24,319Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $1,000Surplus
  • $22,319Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,988Income earned, not collected on loans
  • $0Earning assets
  • $1,293Long-term assets (5+ years)
  • $206,667Average Assets, year-to-date
  • $52,277Average Assets, quarterly
  • $208,495Volatile liabilities
  • $219,384Insider loans
  • $100,303FHLB advances
  • $219,338Loans and leases held for sale
  • $3,827Unused loan commitments
  • $3,376Tier 1 (core) risk-based capital
  • $23,329Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $451Total unused commitments
  • $7,852Restructured Loans and leases
  • $5,538Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,854Total interest income
  • $902Total interest expense
  • $5,952Net interest income
  • $700Provision for loan and lease losses
  • $1,440Total noninterest income
  • $0Fiduciary activities
  • $835Service charges on deposit accounts
  • $0Trading account gains & fees
  • $605Additional noninterest income
  • $4,735Total noninterest expense
  • $2,479Salaries and employee benefits
  • $609Premises and equipment expense
  • $1,647Additional noninterest expense
  • $1,957Pre-tax net operating income
  • $0Securities gains (losses)
  • $214Applicable income taxes
  • $1,743Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,743Net income attributable to bank
  • $0Net charge-offs
  • $1,743Cash dividends
  • $229Sale, conversion, retirement of capital stock, net
  • $800Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.55%Yield on earning assets
  • 0.47%Cost of funding earning assets
  • 3.09%Net interest margin
  • 0.75%Noninterest income to earning assets
  • 2.45%Noninterest expense to earning assets
  • 0.84%Net operating income to assets
  • 0.84%Return on assets (ROA)
  • 0.94%Pretax return on assets
  • 7.28%Return on equity (ROE)
  • 3.94%Retained earnings to average equity (YTD only)
  • 0.35%Net charge-offs to loans
  • 305.68%Credit loss provision to net charge-offs
  • 11.60%Efficiency ratio
  • 64,056Assets per employee
  • 4.56%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 45.90%Loss allowance to loans
  • 2.85%Loss allowance to noncurrent loans
  • 89.84%Noncurrent assets plus other real estate owned to assets
  • 0.89%Noncurrent loans to loans
  • 3.17%Net loans and leases to deposits
  • 30.76%Net loans and leases to core deposits
  • 31.77%Equity capital to assets
  • 10.88%Core capital (leverage) ratio
  • 10.64%Tier 1 risk-based capital ratio
  • 23.26%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $208,495Average earning assets
  • $23,953Average equity
  • $192,885Average loans

List of branches

  • 3 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0319The Stock Exchange Bank1117 Tenth Street, Woodward, OK 73801January 03, 1903Full Service Brick and Mortar
    2181617Downs Branch906 Downs Avenue, Woodward, OK 73801June 24, 1996Full Service Brick and Mortar
    3470286West Branch34th And Oklahoma, Woodward, OK 73801August 13, 2007Full Service Brick and Mortar

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