The First National Bank in Marlow in Marlow, Oklahoma (OK)
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| The First National Bank in Marlow | |
|---|---|
| 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 WWW: http://www.fnbmarlow.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: 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) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 29 |
| Total assets | $66,967 |
| Cash and due from depository institutions | $4,061 |
| Interest-bearing balances | $2,797 |
| Securities | $24,735 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $33,314 |
| Loan loss allowance | $205 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $2,185 |
| Other real estate owned | $83 |
| Goodwill and other intangibles | $0 |
| All other assets | $2,589 |
| Life insurance assets | $66,967 |
| Total liabilities and capital | $59,490 |
| Total liabilities | $54,183 |
| Total deposits | $47,746 |
| Interest-bearing deposits | $54,183 |
| Deposits held in domestic offices | $100 |
| % insured (estimated) | 377.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $3,500 |
| Other borrowed funds | $0 |
| Subordinated debt | $1,430 |
| All other liabilities | $7,477 |
| Total equity capital | $7,477 |
| Total bank equity capital | $7,477 |
| Perpetual preferred stock | $0 |
| Common stock | $769 |
| Surplus | $769 |
| Undivided profits | $5,939 |
| Memoranda | |
| Noncurrent loans and leases | $0 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 |
| Income earned, not collected on loans | $340 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $386 |
| Average Assets, year-to-date | $60,846 |
| Average Assets, quarterly | $11,609 |
| Volatile liabilities | $65,231 |
| Insider loans | $66,272 |
| FHLB advances | $39,004 |
| Loans and leases held for sale | $66,307 |
| Unused loan commitments | $1,560 |
| Tier 1 (core) risk-based capital | $1,560 |
| Tier 2 risk-based capital | $6,728 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $803 |
| Derivatives | $693 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $3,332 |
| Total interest expense | $611 |
| Net interest income | $2,721 |
| Provision for loan and lease losses | $70 |
| Total noninterest income | $553 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $231 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $322 |
| Total noninterest expense | $2,329 |
| Salaries and employee benefits | $1,339 |
| Premises and equipment expense | $380 |
| Additional noninterest expense | $610 |
| Pre-tax net operating income | $875 |
| Securities gains (losses) | $42 |
| Applicable income taxes | $0 |
| Income before extraordinary items | $917 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $917 |
| Net charge-offs | $0 |
| Cash dividends | $917 |
| Sale, conversion, retirement of capital stock, net | $67 |
| Net operating income | $804 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 5.63% |
| Cost of funding earning assets | 1.03% |
| Net interest margin | 4.59% |
| Noninterest income to earning assets | 0.93% |
| Noninterest expense to earning assets | 3.93% |
| Net operating income to assets | 1.34% |
| Return on assets (ROA) | 1.41% |
| Pretax return on assets | 1.41% |
| Return on equity (ROE) | 12.44% |
| Retained earnings to average equity (YTD only) | 1.53% |
| Net charge-offs to loans | 0.20% |
| Credit loss provision to net charge-offs | 104.48% |
| Efficiency ratio | 14.10% |
| Assets per employee | $71,136 |
| Cash dividends to net income (YTD only) | 2.31% |
| Condition Ratios (%) | |
| Loss allowance to loans | 87.68% |
| Loss allowance to noncurrent loans | 0.61% |
| Noncurrent assets plus other real estate owned to assets | 60.29% |
| Noncurrent loans to loans | 0.63% |
| Net loans and leases to deposits | 1.01% |
| Net loans and leases to core deposits | 61.48% |
| Equity capital to assets | 61.48% |
| Core capital (leverage) ratio | 11.17% |
| Tier 1 risk-based capital ratio | 10.15% |
| Total risk-based capital ratio | 17.25% |
| Memoranda | |
| Average assets | $18 |
| Average earning assets | $65,231 |
| Average equity | $7,370 |
| Average loans | $59,220 |
| 3 Oklahoma Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 32617 | The First National Bank In Marlow | 301 West Main Street, Marlow, OK 73055 | January 24, 1985 | Full Service Brick and Mortar |  |
| 3 | 272327 | Marlow Branch | 1110 South Broadway, Marlow, OK 73055 | January 01, 1901 | Full Service Brick and Mortar |  |
| 5 | 522297 | The First National Bank In Comanche | 228 West Oak Main, Comanche, OK 73529 | July 27, 2011 | Full Service Brick and Mortar | |
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