FDIC Certificate #: 2312 Status: Active Federal Reserve ID: 287856 Date Established: December 27, 1927 WWW:http://www.americanbankwagoner.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 1530 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: 201 East Cherokee Street, Wagoner, OK 74467 County: Wagoner 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: $28.4 mil Equity capital: $6.1 mil Deposits held in domestic offices: $22.1 mil Return on assets (ROA): 0.38% ($0.1 mil) Quarterly return on assets: 0.18% ($0.1 mil) Return on Equity (ROE): 1.82% ($0.1 mil) Quarterly return on equity: 0.85% ($0.1 mil) Net income: $0.1 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.38% ($108.0 mil) Quarterly Pretax return on assets: 0.15% ($42.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
14Total employees (full-time equivalent)
$28,419Total assets
$6,936Cash and due from depository institutions
$5,547Interest-bearing balances
$12,957Securities
$373Federal funds sold & reverse repurchase agreements
$7,354Net loans & leases
$251Loan loss allowance
$0Trading account assets
$535Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$28,419Life insurance assets
$264All other assets
$22,286Total liabilities and capital
$22,050Total liabilities
$16,670Total deposits
$22,050Interest-bearing deposits
$90Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$236Subordinated debt
$6,133All other liabilities
$6,133Total equity capital
$6,133Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$200Surplus
$5,733Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$210Long-term assets (5+ years)
$26,231Average Assets, year-to-date
$7,320Average Assets, quarterly
$29,097Volatile liabilities
$29,130Insider loans
$10,951FHLB advances
$30,002Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$6,133Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$224Restructured Loans and leases
$189Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$954Total interest income
$70Total interest expense
$884Net interest income
$45Provision for loan and lease losses
$230Total noninterest income
$0Fiduciary activities
$165Service charges on deposit accounts
$0Trading account gains & fees
$65Additional noninterest income
$958Total noninterest expense
$491Salaries and employee benefits
$235Premises and equipment expense
$232Additional noninterest expense
$111Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$111Income before extraordinary items
$0Extraordinary gains - net
$111Net income attributable to bank
$0Net charge-offs
$111Cash dividends
$35Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.69%Yield on earning assets
0.27%Cost of funding earning assets
3.42%Net interest margin
0.89%Noninterest income to earning assets
3.71%Noninterest expense to earning assets
0.38%Net operating income to assets
0.38%Return on assets (ROA)
0.38%Pretax return on assets
1.82%Return on equity (ROE)
1.82%Retained earnings to average equity (YTD only)
0.44%Net charge-offs to loans
128.57%Credit loss provision to net charge-offs
4.46%Efficiency ratio
85,996Assets per employee
2.03%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
3.30%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
33.35%Net loans and leases to core deposits
35.67%Equity capital to assets
21.58%Core capital (leverage) ratio
20.44%Tier 1 risk-based capital ratio
56.00%Total risk-based capital ratio
Memoranda
$57Average assets
$29,097Average earning assets
$6,093Average equity
$25,830Average loans
List of branches
1 Oklahoma Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
1530
The American Bank
201 East Cherokee Street, Wagoner, OK 74467
December 27, 1927
Full Service Brick and Mortar
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