Bank of Hydro

Bank of Hydro is headquartered in Hydro and is the 121^st largest bank in the state of Oklahoma. It is also the 4,562^nd largest bank in the nation. It was established in 1903 and as of December of 2011, it had grown to 18 employees at 3 locations. Bank of Hydro's money market rates are 36% higher than the national average, and it boasts a 5-star health rating.

Bank of Hydro Routing Number: 103105394

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Data for Q4 2011

Institution Statistics Bank of Hydro FDIC Certificate # 10674 BankRate Report View Year Established 1903 Employees 18 Primary Regulator FDIC Assets and Liabilities Assets $115.24 million Loans $104.60 million Deposits $98.79 million Equity Capital $9.22 million Loan Loss Allowance $1.11 million Historic Data - December 2010 Assets $107.75 million Equity Capital $8.79 million Loan Loss Allowance $1.03 million Unbacked Noncurrent Loans $175,000 Profit Margin - Quarterly Net Interest Margin 4.05% Return on Assets 2.54% Return on Equity 31.74% Interest Income $5.51 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Bank of Hydro had $0 in non-current loans and owned real-estate with $10.33 million in equity and loan loss allowances on hand to cover it. This gives Bank of Hydro a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Bank of Hydro has increased its total deposits by $10.72 million, resulting in 12.17% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank of Hydro has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank of Hydro has $115.24 million in assets with $10.33 million in equity, resulting in a capitalization level of 8.96%, which is average.

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