FDIC Certificate #: 4144 Status: Active Federal Reserve ID: 836656 Bank Holding Company (Regulatory Top Holder): H. Pat Henson Company, The (RSSDID: 1053526, Location: Maysville, OK) Date Established: January 01, 1908 WWW:http://www.fmbokonline.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 2704 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: All Other Specialization < 1 Billion Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: June 01, 2010 Last Structure Change Process Date: June 01, 2010 Last Data Update: June 01, 2010 Data Source Date: April 05, 2012
Location
Address: 621 Main Street, Maysville, OK 73057 County: Garvin 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 Location
Financial Summary
Total assets: $18.1 mil Equity capital: $1.5 mil Deposits held in domestic offices: $16.6 mil Return on assets (ROA): 1.85% ($0.3 mil) Quarterly return on assets: 1.74% ($0.3 mil) Return on Equity (ROE): 22.68% ($0.5 mil) Quarterly return on equity: 20.83% ($0.4 mil) Net income: $0.4 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.85% ($335.1 mil) Quarterly Pretax return on assets: 1.74% ($315.2 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
6Total employees (full-time equivalent)
$18,116Total assets
$7,134Cash and due from depository institutions
$6,488Interest-bearing balances
$458Securities
$1,043Federal funds sold & reverse repurchase agreements
$9,000Net loans & leases
$154Loan loss allowance
$0Trading account assets
$267Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$18,116Life insurance assets
$214All other assets
$16,571Total liabilities and capital
$16,563Total liabilities
$12,690Total deposits
$16,563Interest-bearing deposits
$100Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$8Subordinated debt
$1,545All other liabilities
$1,545Total equity capital
$1,545Total bank equity capital
$0Perpetual preferred stock
$700Common stock
$700Surplus
$145Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1Income earned, not collected on loans
$0Earning assets
$117Long-term assets (5+ years)
$16,989Average Assets, year-to-date
$2,618Average Assets, quarterly
$19,054Volatile liabilities
$18,590Insider loans
$11,299FHLB advances
$18,740Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$1,530Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$407Restructured Loans and leases
$403Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$804Total interest income
$96Total interest expense
$708Net interest income
$0Provision for loan and lease losses
$140Total noninterest income
$0Fiduciary activities
$114Service charges on deposit accounts
$0Trading account gains & fees
$26Additional noninterest income
$495Total noninterest expense
$199Salaries and employee benefits
$64Premises and equipment expense
$232Additional noninterest expense
$353Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$353Income before extraordinary items
$0Extraordinary gains - net
$353Net income attributable to bank
$0Net charge-offs
$353Cash dividends
$0Sale, conversion, retirement of capital stock, net
$346Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.45%Yield on earning assets
0.53%Cost of funding earning assets
3.92%Net interest margin
0.77%Noninterest income to earning assets
2.74%Noninterest expense to earning assets
1.85%Net operating income to assets
1.85%Return on assets (ROA)
1.85%Pretax return on assets
22.68%Return on equity (ROE)
0.45%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
58,373Assets per employee
3.02%Cash dividends to net income (YTD only)
Condition Ratios (%)
98.02%Loss allowance to loans
1.68%Loss allowance to noncurrent loans
15400.00%Noncurrent assets plus other real estate owned to assets
0.01%Noncurrent loans to loans
0.01%Net loans and leases to deposits
54.34%Net loans and leases to core deposits
55.20%Equity capital to assets
8.53%Core capital (leverage) ratio
8.16%Tier 1 risk-based capital ratio
13.54%Total risk-based capital ratio
Memoranda
$15Average assets
$19,054Average earning assets
$1,557Average equity
$18,068Average loans
List of branches
1 Oklahoma Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
2704
Farmers And Merchants Bank
621 Main Street, Maysville, OK 73057
January 01, 1908
Full Service Brick and Mortar
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