The Stock Exchange Bank

The Stock Exchange Bank is headquartered in Woodward and is the 51^st largest bank in the state of Oklahoma. It is also the 2,676^th largest bank in the nation. It was established in 1903 and as of March of 2012, it had grown to 48 employees at 3 locations. The Stock Exchange Bank's savings rates are 35% higher than the national average, and it boasts a 5-star health rating.

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Data for Q1 2012

Institution Statistics The Stock Exchange Bank FDIC Certificate # 414 BankRate Report View Year Established 1903 Employees 48 Primary Regulator FDIC Assets and Liabilities Assets $240.38 million Loans $59.94 million Deposits $214.33 million Equity Capital $24.72 million Loan Loss Allowance $1.94 million Unbacked Noncurrent Loans $1.39 million Historic Data - March 2011 Assets $208.42 million Equity Capital $23.56 million Loan Loss Allowance $1.44 million Unbacked Noncurrent Loans $2.08 million Profit Margin - Quarterly Net Interest Margin 2.9% Return on Assets 1.13% Return on Equity 10.7% Interest Income $1.74 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 March 31, 2012 The Stock Exchange Bank had $1.39 million in non-current loans and owned real-estate with $26.66 million in equity and loan loss allowances on hand to cover it. This gives The Stock Exchange Bank a Texas Ratio of 5.22% 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 The Stock Exchange Bank decreased slightly from 8.33% as of March 31, 2011 to 5.22% as of March 31, 2012, resulting in a positive change of 37.30%.This indicates that the balance sheet and financial strength for The Stock Exchange Bank has improved slightly in recent periods. Deposit Growth In the past year, The Stock Exchange Bank has increased its total deposits by $30.5 million, resulting in 16.59% 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 The Stock Exchange Bank 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. The Stock Exchange Bank has $240.38 million in assets with $26.66 million in equity, resulting in a capitalization level of 11.09%, which is above average.

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