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

The First National Bank of Fletcher - Overview

  • General
  • FDIC Certificate #: 4098
    Status: Active
    Federal Reserve ID: 185251
    Bank Holding Company (Regulatory Top Holder): Griffith Family Financial Holdings, L.L.c. (RSSDID: 2816858, Location: Lindsay, OK)
    Date Established: November 13, 1902
    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: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 53274
    FDIC's unique #: 2670
    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: No
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    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: 401 West Cole Street, Fletcher, OK 73541
    County: Comanche
    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
    Metropolitan Statistical Area (MSA): Lawton, OK (#4200)
    Core Based Statistical Area (CBSA): Lawton, OK (#30020)
    CBSA Metro Statistical Area: Lawton, OK (#30020)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $17.0 mil
    Equity capital: $2.3 mil
    Deposits held in domestic offices: $14.5 mil
    Return on assets (ROA): 0.79% ($0.1 mil)
    Quarterly return on assets: -0.47% (-$0.1 mil)
    Return on Equity (ROE): 5.83% ($0.1 mil)
    Quarterly return on equity: -3.38% (-$0.1 mil)
    Net income: $0.1 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 0.89% ($150.9 mil)
    Quarterly Pretax return on assets: -0.09% (-$15.3 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
  • 21Total employees (full-time equivalent)
  • $16,951Total assets
  • $1,026Cash and due from depository institutions
  • $709Interest-bearing balances
  • $8,949Securities
  • $1,205Federal funds sold & reverse repurchase agreements
  • $4,409Net loans & leases
  • $242Loan loss allowance
  • $0Trading account assets
  • $399Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $16,951Life insurance assets
  • $963All other assets
  • $14,681Total liabilities and capital
  • $14,517Total liabilities
  • $12,619Total deposits
  • $14,517Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $164Subordinated debt
  • $2,270All other liabilities
  • $2,270Total equity capital
  • $2,270Total bank equity capital
  • $0Perpetual preferred stock
  • $25Common stock
  • $1,025Surplus
  • $1,220Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2Income earned, not collected on loans
  • $0Earning assets
  • $183Long-term assets (5+ years)
  • $15,272Average Assets, year-to-date
  • $5,013Average Assets, quarterly
  • $17,143Volatile liabilities
  • $17,149Insider loans
  • $9,237FHLB advances
  • $17,389Loans and leases held for sale
  • $429Unused loan commitments
  • $429Tier 1 (core) risk-based capital
  • $2,069Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $30Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $863Total interest income
  • $100Total interest expense
  • $763Net interest income
  • $0Provision for loan and lease losses
  • $184Total noninterest income
  • $0Fiduciary activities
  • $123Service charges on deposit accounts
  • $0Trading account gains & fees
  • $61Additional noninterest income
  • $826Total noninterest expense
  • $432Salaries and employee benefits
  • $158Premises and equipment expense
  • $236Additional noninterest expense
  • $121Pre-tax net operating income
  • $31Securities gains (losses)
  • $16Applicable income taxes
  • $136Income before extraordinary items
  • $0Extraordinary gains - net
  • $136Net income attributable to bank
  • $0Net charge-offs
  • $136Cash dividends
  • -$2Sale, conversion, retirement of capital stock, net
  • $148Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.57%Yield on earning assets
  • 0.65%Cost of funding earning assets
  • 4.93%Net interest margin
  • 1.19%Noninterest income to earning assets
  • 5.33%Noninterest expense to earning assets
  • 0.63%Net operating income to assets
  • 0.79%Return on assets (ROA)
  • 0.89%Pretax return on assets
  • 5.83%Return on equity (ROE)
  • -0.51%Retained earnings to average equity (YTD only)
  • -0.04%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 87,223Assets per employee
  • 0.81%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 108.82%Loss allowance to loans
  • 5.20%Loss allowance to noncurrent loans
  • 12100.00%Noncurrent assets plus other real estate owned to assets
  • 0.01%Noncurrent loans to loans
  • 0.04%Net loans and leases to deposits
  • 30.37%Net loans and leases to core deposits
  • 31.84%Equity capital to assets
  • 13.39%Core capital (leverage) ratio
  • 11.90%Tier 1 risk-based capital ratio
  • 22.40%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $17,143Average earning assets
  • $2,331Average equity
  • $15,488Average loans

List of branches

  • 2 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02670The First National Bank Of Fletcher401 West Cole Street, Fletcher, OK 73541November 13, 1902Full Service Brick and Mortar
    1287266Sterling Branch602 West Main St, Sterling, OK 73567September 18, 1984Full Service Brick and Mortar

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