The F&M Bank & Trust Company in Tulsa, Oklahoma (OK), TX
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The F&M Bank & Trust Company in Tulsa, Oklahoma (OK), TX
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The F&M Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 16390
    Status: Active
    Federal Reserve ID: 405959
    Bank Holding Company (Regulatory Top Holder): One Rich Hill Land Ltd. Partnership (RSSDID: 3155312, Location: Burelson, TX)
    Date Established: March 14, 1946
    WWW: http://www.fmbanktulsa.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 11 (Domestic: 11, Interstate: Yes)
    FDIC's unique #: 10569
    Numeric code: 13
    Regulator: FED
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: March 14, 1946
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: Main Street, Tulsa, OK 74159
    County: Tulsa
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Tulsa
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Tulsa, OK (#8560)
    Combined Statistical Area (CSA): Tulsa-Bartlesville, OK (#538)
    Core Based Statistical Area (CBSA): Tulsa, OK (#46140)
    CBSA Metro Statistical Area: Tulsa, OK (#46140)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $2,013.0 mil
    Equity capital: $189.9 mil
    Deposits held in domestic offices: $1,805.5 mil
    Return on assets (ROA): -0.38% (-$7.6 mil)
    Quarterly return on assets: -0.53% (-$10.7 mil)
    Return on Equity (ROE): -4.31% (-$8.2 mil)
    Quarterly return on equity: -5.52% (-$10.5 mil)
    Net income: -$6.7 mil
    Quarterly Net income: -$2.6 mil
    Pretax return on assets: -0.65% (-$13,084.2 mil)
    Quarterly Pretax return on assets: -1.23% (-$24,759.3 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
  • 324Total employees (full-time equivalent)
  • $2,012,950Total assets
  • $407,434Cash and due from depository institutions
  • $371,605Interest-bearing balances
  • $31,883Securities
  • $5,007Federal funds sold & reverse repurchase agreements
  • $1,473,223Net loans & leases
  • $19,201Loan loss allowance
  • $0Trading account assets
  • $20,790Bank premises and fixed assets
  • $3,902Other real estate owned
  • $0Goodwill and other intangibles
  • $2,012,950Life insurance assets
  • $70,711All other assets
  • $1,823,093Total liabilities and capital
  • $1,805,499Total liabilities
  • $1,330,584Total deposits
  • $1,805,499Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 6197.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $11,397Subordinated debt
  • $189,857All other liabilities
  • $189,857Total equity capital
  • $189,857Total bank equity capital
  • $0Perpetual preferred stock
  • $6,000Common stock
  • $122,535Surplus
  • $61,322Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $7,172Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $28,635Income earned, not collected on loans
  • $0Earning assets
  • $5,527Long-term assets (5+ years)
  • $1,881,718Average Assets, year-to-date
  • $103,879Average Assets, quarterly
  • $1,790,330Volatile liabilities
  • $1,989,927Insider loans
  • $1,640,879FHLB advances
  • $1,953,844Loans and leases held for sale
  • $33,053Unused loan commitments
  • $12,462Tier 1 (core) risk-based capital
  • $189,418Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $20,591Total unused commitments
  • $446,459Restructured Loans and leases
  • $68,663Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $70,919Total interest income
  • $10,260Total interest expense
  • $60,659Net interest income
  • $29,954Provision for loan and lease losses
  • $14,335Total noninterest income
  • $117Fiduciary activities
  • $3,112Service charges on deposit accounts
  • $0Trading account gains & fees
  • $11,106Additional noninterest income
  • $57,346Total noninterest expense
  • $30,235Salaries and employee benefits
  • $7,437Premises and equipment expense
  • $19,674Additional noninterest expense
  • -$12,306Pre-tax net operating income
  • -$63Securities gains (losses)
  • -$4,835Applicable income taxes
  • -$7,534Income before extraordinary items
  • $1,625Extraordinary gains - net
  • -$6,737Net income attributable to bank
  • $828Net charge-offs
  • -$5,909Cash dividends
  • $23,337Sale, conversion, retirement of capital stock, net
  • $3,600Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.25%Yield on earning assets
  • 0.62%Cost of funding earning assets
  • 3.64%Net interest margin
  • 0.86%Noninterest income to earning assets
  • 3.44%Noninterest expense to earning assets
  • -0.42%Net operating income to assets
  • -0.38%Return on assets (ROA)
  • -0.65%Pretax return on assets
  • -4.31%Return on equity (ROE)
  • -6.61%Retained earnings to average equity (YTD only)
  • 1.79%Net charge-offs to loans
  • 128.35%Credit loss provision to net charge-offs
  • 0.76%Efficiency ratio
  • 76,467Assets per employee
  • 6.21%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -53.44%Loss allowance to loans
  • 1.29%Loss allowance to noncurrent loans
  • 67.05%Noncurrent assets plus other real estate owned to assets
  • 1.62%Noncurrent loans to loans
  • 1.92%Net loans and leases to deposits
  • 81.60%Net loans and leases to core deposits
  • 108.59%Equity capital to assets
  • 9.43%Core capital (leverage) ratio
  • 9.69%Tier 1 risk-based capital ratio
  • 11.54%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $1,790,330Average earning assets
  • $156,422Average equity
  • $1,668,155Average loans

Total Fiduciary and Related Assets (December 31, 2010)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $78,854Managed Assets
  • 1Number of Accounts
  • $72,456Personal trust and agency accounts
  • $65,576Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $1,308Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $5,572Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 159Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $6,398Other retirement accounts
  • $864Corporate trust and agency accounts
  • $5,533Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 9 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010569The F&M Bank & Trust CompanyMain Street, Tulsa, OK 74159March 14, 1946Full Service Brick and Mortar
    1237989Drive-In Branch13th And Harvard Avenues, Tulsa, OK 74104April 23, 1969Limited Service Facility
    212991Sheridan Branch1700 South Sheridan Road, Tulsa, OK 74101July 09, 1964Full Service Brick and Mortar
    432558First Memorial Branch8124 South Memorial Avenue, Tulsa, OK 74133April 15, 1985Full Service Brick and Mortar
    511227Utica Branch1924 South Utica Avenue, Tulsa, OK 74101March 26, 1953Full Service Brick and Mortar
    6237990Yale Branch10101 South Yale Avenue, Tulsa, OK 74137January 22, 1996Full Service Brick and Mortar
    7361386Garnett Branch2021 S Garnett, Tulsa, OK 74128July 17, 2000Full Service Brick and Mortar
    8418937Owasso Branch12400 E. 96th Street, Owasso, OK 74055April 28, 2003Full Service Brick and Mortar
    114552627100 South Harvard Avenue Branch7100 South Harvard Avenue, Tulsa, OK 74112September 18, 2006Full Service Brick and Mortar
  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    9430108Dallas Branch3811 Turtle Creek Boulevard, Dallas, TX 75219December 15, 2003Full Service Retail
    1044498514185 Dallas Parkway Branch14185 Dallas Parkway, Dallas, TX 75254October 03, 2005Full Service Brick and Mortar

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