The First National Bank in Marlow in Marlow, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

The First National Bank in Marlow - Overview

  • General
  • FDIC Certificate #: 26260
    Status: Active
    Federal Reserve ID: 17259
    Bank Holding Company (Regulatory Top Holder): Leader First Bancorp, Inc. (RSSDID: 2096164, Location: Marlow, OK)
    Date Established: January 24, 1985
    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: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 13959
    FDIC's unique #: 32617
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 24, 1985
    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: 301 West Main Street, Marlow, OK 73055
    County: Stephens
    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
    Core Based Statistical Area (CBSA): Duncan, OK (#20340)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $67.0 mil
    Equity capital: $7.5 mil
    Deposits held in domestic offices: $54.2 mil
    Return on assets (ROA): 1.41% ($0.9 mil)
    Quarterly return on assets: 0.95% ($0.6 mil)
    Return on Equity (ROE): 12.44% ($0.9 mil)
    Quarterly return on equity: 8.26% ($0.6 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.41% ($944.2 mil)
    Quarterly Pretax return on assets: 0.95% ($636.2 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
  • 29Total employees (full-time equivalent)
  • $66,967Total assets
  • $4,061Cash and due from depository institutions
  • $2,797Interest-bearing balances
  • $24,735Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $33,314Net loans & leases
  • $205Loan loss allowance
  • $0Trading account assets
  • $2,185Bank premises and fixed assets
  • $83Other real estate owned
  • $0Goodwill and other intangibles
  • $66,967Life insurance assets
  • $2,589All other assets
  • $59,490Total liabilities and capital
  • $54,183Total liabilities
  • $47,746Total deposits
  • $54,183Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 377.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,500Trading liabilities
  • $0Other borrowed funds
  • $1,430Subordinated debt
  • $7,477All other liabilities
  • $7,477Total equity capital
  • $7,477Total bank equity capital
  • $0Perpetual preferred stock
  • $769Common stock
  • $769Surplus
  • $5,939Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $340Income earned, not collected on loans
  • $0Earning assets
  • $386Long-term assets (5+ years)
  • $60,846Average Assets, year-to-date
  • $11,609Average Assets, quarterly
  • $65,231Volatile liabilities
  • $66,272Insider loans
  • $39,004FHLB advances
  • $66,307Loans and leases held for sale
  • $1,560Unused loan commitments
  • $1,560Tier 1 (core) risk-based capital
  • $6,728Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $803Restructured Loans and leases
  • $693Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,332Total interest income
  • $611Total interest expense
  • $2,721Net interest income
  • $70Provision for loan and lease losses
  • $553Total noninterest income
  • $0Fiduciary activities
  • $231Service charges on deposit accounts
  • $0Trading account gains & fees
  • $322Additional noninterest income
  • $2,329Total noninterest expense
  • $1,339Salaries and employee benefits
  • $380Premises and equipment expense
  • $610Additional noninterest expense
  • $875Pre-tax net operating income
  • $42Securities gains (losses)
  • $0Applicable income taxes
  • $917Income before extraordinary items
  • $0Extraordinary gains - net
  • $917Net income attributable to bank
  • $0Net charge-offs
  • $917Cash dividends
  • $67Sale, conversion, retirement of capital stock, net
  • $804Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.63%Yield on earning assets
  • 1.03%Cost of funding earning assets
  • 4.59%Net interest margin
  • 0.93%Noninterest income to earning assets
  • 3.93%Noninterest expense to earning assets
  • 1.34%Net operating income to assets
  • 1.41%Return on assets (ROA)
  • 1.41%Pretax return on assets
  • 12.44%Return on equity (ROE)
  • 1.53%Retained earnings to average equity (YTD only)
  • 0.20%Net charge-offs to loans
  • 104.48%Credit loss provision to net charge-offs
  • 14.10%Efficiency ratio
  • 71,136Assets per employee
  • 2.31%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 87.68%Loss allowance to loans
  • 0.61%Loss allowance to noncurrent loans
  • 60.29%Noncurrent assets plus other real estate owned to assets
  • 0.63%Noncurrent loans to loans
  • 1.01%Net loans and leases to deposits
  • 61.48%Net loans and leases to core deposits
  • 61.48%Equity capital to assets
  • 11.17%Core capital (leverage) ratio
  • 10.15%Tier 1 risk-based capital ratio
  • 17.25%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $65,231Average earning assets
  • $7,370Average equity
  • $59,220Average loans

List of branches

  • 3 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    032617The First National Bank In Marlow301 West Main Street, Marlow, OK 73055January 24, 1985Full Service Brick and Mortar
    3272327Marlow Branch1110 South Broadway, Marlow, OK 73055January 01, 1901Full Service Brick and Mortar
    5522297The First National Bank In Comanche228 West Oak Main, Comanche, OK 73529July 27, 2011Full Service Brick and Mortar

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