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

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The F&M Bank & Trust Company
GeneralFDIC 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
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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)324
Total assets$2,012,950
Cash and due from depository institutions$407,434
Interest-bearing balances$371,605
Federal funds sold & reverse repurchase agreements$5,007
Net loans & leases$1,473,223
Loan loss allowance $19,201
Trading account assets$0
Bank premises and fixed assets$20,790
Other real estate owned$3,902
Goodwill and other intangibles$0
All other assets$70,711
Life insurance assets$2,012,950
Total liabilities and capital$1,823,093
Total liabilities$1,805,499
Total deposits$1,330,584
Interest-bearing deposits$1,805,499
Deposits held in domestic offices$78
% insured (estimated)6197.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $11,397
All other liabilities $189,857
Total equity capital$189,857
Total bank equity capital$189,857
Perpetual preferred stock$0
Common stock$6,000
Undivided profits $61,322
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $7,172
Income earned, not collected on loans $28,635
Earning assets $0
Long-term assets (5+ years) $5,527
Average Assets, year-to-date $1,881,718
Average Assets, quarterly $103,879
Volatile liabilities $1,790,330
Insider loans $1,989,927
FHLB advances $1,640,879
Loans and leases held for sale $1,953,844
Unused loan commitments $33,053
Tier 1 (core) risk-based capital $12,462
Tier 2 risk-based capital $189,418
Total risk weighted assets $0
Total unused commitments $20,591
Restructured Loans and leases $446,459
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $70,919
Total interest expense $10,260
Net interest income $60,659
Provision for loan and lease losses $29,954
Total noninterest income $14,335
Fiduciary activities $117
Service charges on deposit accounts $3,112
Trading account gains & fees $0
Additional noninterest income $11,106
Total noninterest expense $57,346
Salaries and employee benefits $30,235
Premises and equipment expense $7,437
Additional noninterest expense $19,674
Pre-tax net operating income -$12,306
Securities gains (losses) -$63
Applicable income taxes -$4,835
Income before extraordinary items -$7,534
Extraordinary gains - net $1,625
Net income attributable to bank -$6,737
Net charge-offs $828
Cash dividends -$5,909
Sale, conversion, retirement of capital stock, net $23,337
Net operating income $3,600
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.25%
Cost of funding earning assets 0.62%
Net interest margin 3.64%
Noninterest income to earning assets 0.86%
Noninterest expense to earning assets 3.44%
Net operating income to assets -0.42%
Return on assets (ROA) -0.38%
Pretax return on assets -0.65%
Return on equity (ROE) -4.31%
Retained earnings to average equity (YTD only) -6.61%
Net charge-offs to loans 1.79%
Credit loss provision to net charge-offs 128.35%
Efficiency ratio0.76%
Assets per employee$76,467
Cash dividends to net income (YTD only)6.21%
Condition Ratios (%)
Loss allowance to loans -53.44%
Loss allowance to noncurrent loans 1.29%
Noncurrent assets plus other real estate owned to assets 67.05%
Noncurrent loans to loans 1.62%
Net loans and leases to deposits1.92%
Net loans and leases to core deposits 81.60%
Equity capital to assets 108.59%
Core capital (leverage) ratio 9.43%
Tier 1 risk-based capital ratio 9.69%
Total risk-based capital ratio 11.54%
Average assets$13
Average earning assets$1,790,330
Average equity $156,422
Average loans $1,668,155
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Total Fiduciary and Related Assets (December 31, 2010)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$78,854
Number of Accounts1
Personal trust and agency accounts$72,456
Employee benefit-defined contribution accounts$65,576
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$1,308
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$5,572
Non-managed Assets$0
Number of Accounts159
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$6,398
Corporate trust and agency accounts$864
Other fiduciary accounts$5,533
Fiduciary accounts held in foreign offices$0
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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
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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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