Stroud National Bank

Stroud National Bank is headquartered in Stroud and is the 149^th largest bank in the state of Oklahoma. It is also the 5,491^st largest bank in the nation. It was established in 1898 and as of March of 2012, it had grown to 34 employees at 3 locations. Stroud National Bank's money market rates are 14% higher than the national average, and it has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Stroud National Bank FDIC Certificate # 4204 BankRate Report View Year Established 1898 Employees 34 Primary Regulator OCC Assets and Liabilities Assets $79.62 million Loans $47.02 million Deposits $60.95 million Equity Capital $8.73 million Loan Loss Allowance $1.05 million Unbacked Noncurrent Loans $1.62 million Real Estate Owned $323,000 Historic Data - March 2011 Assets $80.32 million Equity Capital $7.82 million Loan Loss Allowance $944,000 Unbacked Noncurrent Loans $2.19 million Real Estate Owned $457,000 Profit Margin - Quarterly Net Interest Margin 4.78% Return on Assets 0.74% Return on Equity 6.64% Interest Income $987,000

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 March 31, 2012 Stroud National Bank had $1.94 million in non-current loans and owned real-estate with $9.78 million in equity and loan loss allowances on hand to cover it. This gives Stroud National Bank a Texas Ratio of 19.86% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Stroud National Bank decreased slightly from 30.21% as of March 31, 2011 to 19.86% as of March 31, 2012, resulting in a positive change of 34.25%.This indicates that the balance sheet and financial strength for Stroud National Bank has improved slightly in recent periods. Deposit Growth In the past year, Stroud National Bank has decreased its total deposits by -$1.4 million, resulting in -2.25% 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 Stroud National Bank has shown is below average. 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. Stroud National Bank has $79.62 million in assets with $9.78 million in equity, resulting in a capitalization level of 12.28%, which is excellent.

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