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
No
ID
Name
Address
Established
Service Type
Map
0
1534
The Bank Of Wyandotte
2 E Broadway, Wyandotte, OK 74370
September 27, 1902
Full Service Brick and Mortar
Comment about this bank, ask questions, or add new information about it:
This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with The Bank of Wyandotte.
Based on public records. Inadvertent errors are possible. bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.
Comment about this bank, ask questions, or add new information about it: