Bank of Western Oklahoma

Bank of Western Oklahoma is headquartered in Elk City and is the 48^th largest bank in the state of Oklahoma. It is also the 2,672^nd largest bank in the nation. It was established in 1908 and as of December of 2011, it had grown to 69 employees at 6 locations. Bank of Western Oklahoma has a 4-star health rating.

Bank of Western Oklahoma Routing Number: 103101602

Data for Q4 2011

Institution Statistics Bank of Western Oklahoma FDIC Certificate # 4087 BankRate Report View Year Established 1908 Employees 69 Primary Regulator FED Assets and Liabilities Assets $238.68 million Loans $157.42 million Deposits $221.29 million Equity Capital $16.88 million Loan Loss Allowance $1.29 million Unbacked Noncurrent Loans $1.42 million Historic Data - December 2010 Assets $205.03 million Equity Capital $16.13 million Loan Loss Allowance $1.41 million Unbacked Noncurrent Loans $981,000 Profit Margin - Quarterly Net Interest Margin 3.64% Return on Assets 0.85% Return on Equity 11.76% Interest Income $9.27 million

Institution Health Overall Score: 4 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 Western Oklahoma had $1.42 million in non-current loans and owned real-estate with $18.17 million in equity and loan loss allowances on hand to cover it. This gives Bank of Western Oklahoma a Texas Ratio of 7.83% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bank of Western Oklahoma held steady from 5.59% as of December 31, 2010 to 7.83% as of December 31, 2011, resulting in a negative change of 40.03%. This indicates that the balance sheet and financial strength for Bank of Western Oklahoma has held steady in recent periods. Deposit Growth In the past year, Bank of Western Oklahoma has increased its total deposits by $32.99 million, resulting in 17.52% 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 Western Oklahoma 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 Western Oklahoma has $238.68 million in assets with $18.17 million in equity, resulting in a capitalization level of 7.61%, which is below average.

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