FDIC Certificate #: 28652 Status: Active Federal Reserve ID: 618777 Date Established: January 01, 1901 WWW:http://www.fairviewsavings.com Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 2049 FDIC's unique #: 41486 Numeric code: 38 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: July 26, 1948 Last Structure Change Effective Date: July 21, 2011 Last Structure Change Process Date: July 21, 2011 Last Data Update: July 21, 2011 Data Source Date: April 05, 2012
Location
Address: 301 North Main, Fairview, OK 73737 County: Major 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
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $37.0 mil Equity capital: $5.4 mil Deposits held in domestic offices: $29.9 mil Return on assets (ROA): 1.48% ($0.5 mil) Quarterly return on assets: 0.36% ($0.1 mil) Return on Equity (ROE): 10.20% ($0.5 mil) Quarterly return on equity: 2.44% ($0.1 mil) Net income: $0.5 mil Quarterly Net income: $0.0 mil Pretax return on assets: 2.31% ($854.1 mil) Quarterly Pretax return on assets: 1.25% ($462.2 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2011)
Dollar figures in thousands
8Total employees (full-time equivalent)
$36,976Total assets
$4,003Cash and due from depository institutions
$3,629Interest-bearing balances
$1,022Securities
$0Federal funds sold & reverse repurchase agreements
$30,975Net loans & leases
$220Loan loss allowance
$0Trading account assets
$199Bank premises and fixed assets
$21Other real estate owned
$0Goodwill and other intangibles
$36,976Life insurance assets
$756All other assets
$31,558Total liabilities and capital
$29,899Total liabilities
$26,817Total deposits
$29,899Interest-bearing deposits
$99Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,500Trading liabilities
$0Other borrowed funds
$159Subordinated debt
$5,418All other liabilities
$5,418Total equity capital
$5,418Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$5,418Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$31Income earned, not collected on loans
$0Earning assets
$230Long-term assets (5+ years)
$35,626Average Assets, year-to-date
$0Average Assets, quarterly
$35,808Volatile liabilities
$36,527Insider loans
$22,301FHLB advances
$36,976Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$5,418Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$893Restructured Loans and leases
$156Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,987Total interest income
$405Total interest expense
$1,582Net interest income
$0Provision for loan and lease losses
$147Total noninterest income
$0Fiduciary activities
$137Service charges on deposit accounts
$0Trading account gains & fees
$10Additional noninterest income
$901Total noninterest expense
$567Salaries and employee benefits
$152Premises and equipment expense
$182Additional noninterest expense
$828Pre-tax net operating income
$0Securities gains (losses)
$298Applicable income taxes
$530Income before extraordinary items
$0Extraordinary gains - net
$530Net income attributable to bank
$0Net charge-offs
$530Cash dividends
-$1Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.76%Yield on earning assets
1.17%Cost of funding earning assets
4.59%Net interest margin
0.43%Noninterest income to earning assets
2.61%Noninterest expense to earning assets
1.48%Net operating income to assets
1.48%Return on assets (ROA)
2.31%Pretax return on assets
10.20%Return on equity (ROE)
10.20%Retained earnings to average equity (YTD only)
-0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
52,111Assets per employee
4.62%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.71%Loss allowance to noncurrent loans
709.68%Noncurrent assets plus other real estate owned to assets
0.14%Noncurrent loans to loans
0.10%Net loans and leases to deposits
103.60%Net loans and leases to core deposits
105.93%Equity capital to assets
14.65%Core capital (leverage) ratio
14.65%Tier 1 risk-based capital ratio
24.29%Total risk-based capital ratio
Memoranda
$25Average assets
$35,808Average earning assets
$5,194Average equity
$34,488Average loans
List of branches
1 Oklahoma Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
41486
Fairview Savings And Loan Associatio
301 North Main, Fairview, OK 73737
January 01, 1901
Full Service Brick and Mortar
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