The Farmers and Merchants National Bank of Fairview in Fairview, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Farmers and Merchants National Bank of Fairview - Overview

  • General
  • FDIC Certificate #: 4097
    Status: Active
    Federal Reserve ID: 73152
    Bank Holding Company (Regulatory Top Holder): Fairview Bancshares, Inc. (RSSDID: 1065211, Location: Fairview, OK)
    Date Established: January 01, 1907
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 12114
    FDIC's unique #: 2669
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    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: 312 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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $92.2 mil
    Equity capital: $11.2 mil
    Deposits held in domestic offices: $78.4 mil
    Return on assets (ROA): 2.63% ($2.4 mil)
    Quarterly return on assets: 2.25% ($2.1 mil)
    Return on Equity (ROE): 20.98% ($2.3 mil)
    Quarterly return on equity: 17.37% ($1.9 mil)
    Net income: $2.2 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 2.63% ($2,425.8 mil)
    Quarterly Pretax return on assets: 2.25% ($2,075.3 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
  • 19Total employees (full-time equivalent)
  • $92,237Total assets
  • $3,917Cash and due from depository institutions
  • $498Interest-bearing balances
  • $45,798Securities
  • $4,904Federal funds sold & reverse repurchase agreements
  • $33,426Net loans & leases
  • $896Loan loss allowance
  • $0Trading account assets
  • $676Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $92,237Life insurance assets
  • $3,516All other assets
  • $81,086Total liabilities and capital
  • $78,367Total liabilities
  • $59,918Total deposits
  • $78,367Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,000Trading liabilities
  • $0Other borrowed funds
  • $719Subordinated debt
  • $11,151All other liabilities
  • $11,151Total equity capital
  • $11,151Total bank equity capital
  • $0Perpetual preferred stock
  • $120Common stock
  • $894Surplus
  • $10,137Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $763Long-term assets (5+ years)
  • $84,626Average Assets, year-to-date
  • $30,905Average Assets, quarterly
  • $85,291Volatile liabilities
  • $89,644Insider loans
  • $47,248FHLB advances
  • $89,250Loans and leases held for sale
  • $2,241Unused loan commitments
  • $1,674Tier 1 (core) risk-based capital
  • $9,496Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $567Total unused commitments
  • $3,083Restructured Loans and leases
  • $747Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,175Total interest income
  • $512Total interest expense
  • $3,663Net interest income
  • $20Provision for loan and lease losses
  • $689Total noninterest income
  • $0Fiduciary activities
  • $377Service charges on deposit accounts
  • $0Trading account gains & fees
  • $312Additional noninterest income
  • $2,089Total noninterest expense
  • $1,290Salaries and employee benefits
  • $218Premises and equipment expense
  • $581Additional noninterest expense
  • $2,243Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $2,243Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,243Net income attributable to bank
  • $0Net charge-offs
  • $2,243Cash dividends
  • -$74Sale, conversion, retirement of capital stock, net
  • $1,565Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.30%Yield on earning assets
  • 0.65%Cost of funding earning assets
  • 4.65%Net interest margin
  • 0.87%Noninterest income to earning assets
  • 2.65%Noninterest expense to earning assets
  • 2.63%Net operating income to assets
  • 2.63%Return on assets (ROA)
  • 2.63%Pretax return on assets
  • 20.98%Return on equity (ROE)
  • 6.34%Retained earnings to average equity (YTD only)
  • -0.22%Net charge-offs to loans
  • -27.03%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 48,001Assets per employee
  • 4.85%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 69.77%Loss allowance to loans
  • 2.61%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 42.65%Net loans and leases to core deposits
  • 46.03%Equity capital to assets
  • 12.09%Core capital (leverage) ratio
  • 10.64%Tier 1 risk-based capital ratio
  • 20.10%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $85,291Average earning assets
  • $10,693Average equity
  • $78,829Average loans

List of branches

  • 1 Oklahoma Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02669The Farmers And Merchants National B312 North Main, Fairview, OK 73737January 01, 1907Full Service Brick and Mortar

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