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 WWW:http://www.fairviewbank.com 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
No
ID
Name
Address
Established
Service Type
Map
0
2669
The Farmers And Merchants National B
312 North Main, Fairview, OK 73737
January 01, 1907
Full Service Brick and Mortar
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The Farmers and Merchants National Bank of Fairview
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