F & M Bank, National Association, Oklahoma City, Oklahoma - Overview
General
FDIC Certificate #: 27421 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:F & M Bank (#12761) Federal Reserve ID: 1357466 Date Established: January 12, 1989 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 3 (Interstate: No) OTS Docket #: 11919 FDIC's unique #: 39892 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: No Date of Deposit Insurance: January 12, 1989 Last Structure Change Effective Date: October 23, 2011 Last Structure Change Process Date: October 27, 2011 Last Data Update: October 27, 2011 Data Source Date: April 05, 2012
Location
Address: 11000 Surrey Hills Boulevard, Yukon, OK 73099 County: Canadian Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Oklahoma City Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West Metropolitan Statistical Area (MSA): Oklahoma City, OK (#5880) Combined Statistical Area (CSA): Oklahoma City-Shawnee, OK (#416) Core Based Statistical Area (CBSA): Oklahoma City, OK (#36420) CBSA Metro Statistical Area: Oklahoma City, OK (#36420)
Financial Summary
Total assets: $80.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2010)
Dollar figures in thousands
29Total employees (full-time equivalent)
$75,081Total assets
$6,373Cash and due from depository institutions
$4,313Interest-bearing balances
$15,086Securities
$34Federal funds sold & reverse repurchase agreements
$47,995Net loans & leases
$1,047Loan loss allowance
$0Trading account assets
$2,605Bank premises and fixed assets
$400Other real estate owned
$0Goodwill and other intangibles
$1,233Life insurance assets
$2,588All other assets
$75,081Total liabilities and capital
$68,028Total liabilities
$67,178Total deposits
$43,714Interest-bearing deposits
$67,178Deposits held in domestic offices
91.30%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$850All other liabilities
$7,053Total equity capital
$7,053Total bank equity capital
$7,053Perpetual preferred stock
$0Common stock
$500Surplus
$250Undivided profits
Memoranda
$6,303Noncurrent loans and leases
$4,808Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$63Earning assets
$0Long-term assets (5+ years)
$418Average Assets, year-to-date
$67,428Average Assets, quarterly
$4,314Volatile liabilities
$79,616Insider loans
$76,927FHLB advances
$10,933Loans and leases held for sale
$189Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$4,808Total unused commitments
$16Restructured Loans and leases
$668Derivatives
Income and Expense (December 31, 2010)
Dollar figures in thousands
$3,437Total interest income
$481Total interest expense
$2,956Net interest income
$200Provision for loan and lease losses
$395Total noninterest income
$0Fiduciary activities
$387Service charges on deposit accounts
$0Trading account gains & fees
$8Additional noninterest income
$2,889Total noninterest expense
$1,376Salaries and employee benefits
$321Premises and equipment expense
$1,192Additional noninterest expense
$262Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$262Income before extraordinary items
$0Extraordinary gains - net
$262Net income attributable to bank
$0Net charge-offs
$262Cash dividends
$246Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2010)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.89%Yield on earning assets
0.68%Cost of funding earning assets
4.20%Net interest margin
0.56%Noninterest income to earning assets
4.11%Noninterest expense to earning assets
0.33%Net operating income to assets
0.33%Return on assets (ROA)
0.33%Pretax return on assets
3.73%Return on equity (ROE)
3.73%Retained earnings to average equity (YTD only)
0.49%Net charge-offs to loans
81.30%Credit loss provision to net charge-offs
1.88%Efficiency ratio
86,213Assets per employee
2.59%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.13%Loss allowance to noncurrent loans
1661.90%Noncurrent assets plus other real estate owned to assets
0.62%Noncurrent loans to loans
0.13%Net loans and leases to deposits
71.44%Net loans and leases to core deposits
85.33%Equity capital to assets
9.39%Core capital (leverage) ratio
9.12%Tier 1 risk-based capital ratio
13.21%Total risk-based capital ratio
Memoranda
$14Average assets
$79,616Average earning assets
$7,016Average equity
$70,336Average loans
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F & M Bank, National Association, Oklahoma City, Oklahoma
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