F & M Bank in Edmond, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches


F & M Bank - Overview

  • General
  • FDIC Certificate #: 12761
    Status: Active
    Federal Reserve ID: 163857
    Bank Holding Company (Regulatory Top Holder): F&M Bancshares, Inc. (RSSDID: 1054550, Location: Crescent, OK)
    Date Established: January 01, 1902
    WWW: http://www.fmbankok.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 8 (Domestic: 8, Interstate: No)
    OTS Docket #: 11845
    FDIC's unique #: 8084
    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: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: October 27, 2011
    Last Structure Change Process Date: November 04, 2011
    Last Data Update: November 04, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 17100 North May Ave, Edmond, OK 73012
    County: Oklahoma
    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)
  • History of Changes
  • Name Change
  • Financial Summary
  • Total assets: $231.6 mil
    Equity capital: $22.8 mil
    Deposits held in domestic offices: $191.3 mil
    Return on assets (ROA): 1.41% ($3.3 mil)
    Quarterly return on assets: 1.13% ($2.6 mil)
    Return on Equity (ROE): 14.21% ($3.3 mil)
    Quarterly return on equity: 11.16% ($2.6 mil)
    Net income: $3.0 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.41% ($3,265.4 mil)
    Quarterly Pretax return on assets: 1.13% ($2,616.9 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, 2011)

  • Dollar figures in thousands
  • 78Total employees (full-time equivalent)
  • $231,586Total assets
  • $10,284Cash and due from depository institutions
  • $4,166Interest-bearing balances
  • $56,003Securities
  • $9,783Federal funds sold & reverse repurchase agreements
  • $139,912Net loans & leases
  • $2,818Loan loss allowance
  • $0Trading account assets
  • $5,965Bank premises and fixed assets
  • $127Other real estate owned
  • $0Goodwill and other intangibles
  • $231,586Life insurance assets
  • $9,512All other assets
  • $208,834Total liabilities and capital
  • $191,302Total liabilities
  • $136,962Total deposits
  • $191,302Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 2607.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $14,000Trading liabilities
  • $0Other borrowed funds
  • $925Subordinated debt
  • $22,752All other liabilities
  • $22,752Total equity capital
  • $22,752Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $1,250Surplus
  • $21,002Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $992Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,376Income earned, not collected on loans
  • $0Earning assets
  • $1,343Long-term assets (5+ years)
  • $209,864Average Assets, year-to-date
  • $40,707Average Assets, quarterly
  • $215,757Volatile liabilities
  • $222,085Insider loans
  • $158,364FHLB advances
  • $212,510Loans and leases held for sale
  • $5,334Unused loan commitments
  • $5,334Tier 1 (core) risk-based capital
  • $22,347Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $13,644Restructured Loans and leases
  • $811Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,333Total interest income
  • $1,220Total interest expense
  • $8,113Net interest income
  • $150Provision for loan and lease losses
  • $2,300Total noninterest income
  • $0Fiduciary activities
  • $846Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,454Additional noninterest income
  • $7,233Total noninterest expense
  • $3,490Salaries and employee benefits
  • $859Premises and equipment expense
  • $2,884Additional noninterest expense
  • $3,030Pre-tax net operating income
  • $10Securities gains (losses)
  • $0Applicable income taxes
  • $3,040Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,040Net income attributable to bank
  • $0Net charge-offs
  • $3,040Cash dividends
  • -$75Sale, conversion, retirement of capital stock, net
  • $625Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.78%Yield on earning assets
  • 0.63%Cost of funding earning assets
  • 4.16%Net interest margin
  • 1.18%Noninterest income to earning assets
  • 3.71%Noninterest expense to earning assets
  • 1.40%Net operating income to assets
  • 1.41%Return on assets (ROA)
  • 1.41%Pretax return on assets
  • 14.21%Return on equity (ROE)
  • 11.29%Retained earnings to average equity (YTD only)
  • -0.06%Net charge-offs to loans
  • -200.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 69,461Assets per employee
  • 2.97%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 20.56%Loss allowance to loans
  • 1.97%Loss allowance to noncurrent loans
  • 204.80%Noncurrent assets plus other real estate owned to assets
  • 0.65%Noncurrent loans to loans
  • 0.96%Net loans and leases to deposits
  • 73.14%Net loans and leases to core deposits
  • 77.62%Equity capital to assets
  • 9.82%Core capital (leverage) ratio
  • 10.52%Tier 1 risk-based capital ratio
  • 14.11%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $215,757Average earning assets
  • $21,398Average equity
  • $195,081Average loans

List of branches

  • 8 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08084F & M Bank17100 North May Ave, Edmond, OK 73012January 01, 1902Full Service Brick and Mortar
    2360940Guthrie Branch1800 East Oaklahoma Avenue, Guthrie, OK 73044November 14, 1998Full Service Brick and Mortar
    3433576South Division Branch2211 South Division, Guthrie, OK 73044December 21, 2004Full Service Brick and Mortar
    4488806Edmond Branch121 East Waterloo, Edmond, OK 73034October 15, 2008Full Service Brick and Mortar
    539892Yokon Branch11000 Surrey Hills Boulevard, Yukon, OK 73099January 12, 1989Full Service Brick and Mortar
    6261988Piedmont Branch1216 Piedmont Road, Piedmont, OK 73078August 10, 1998Full Service Brick and Mortar
    7441006Oklahoma City Branch17100 North May Ave, Edmond, OK 73003May 11, 2005Full Service Brick and Mortar
    8526393Crescent Branch116 South Grand Street, Crescent, OK 73028October 23, 2011Full Service Brick and Mortar

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