The First National Bank of Fletcher in Fletcher, Oklahoma (OK)



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The First National Bank of Fletcher routing number info

Table of contents:
The First National Bank of Fletcher
GeneralFDIC 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
WWW: http://www.fletcherbank.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: 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)21
Total assets$16,951
Cash and due from depository institutions$1,026
Interest-bearing balances$709
Securities$8,949
Federal funds sold & reverse repurchase agreements$1,205
Net loans & leases$4,409
Loan loss allowance $242
Trading account assets$0
Bank premises and fixed assets$399
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$963
Life insurance assets$16,951
Total liabilities and capital$14,681
Total liabilities$14,517
Total deposits$12,619
Interest-bearing deposits$14,517
Deposits held in domestic offices$97
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $164
All other liabilities $2,270
Total equity capital$2,270
Total bank equity capital$2,270
Perpetual preferred stock$0
Common stock$25
Surplus$1,025
Undivided profits $1,220
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 $2
Earning assets $0
Long-term assets (5+ years) $183
Average Assets, year-to-date $15,272
Average Assets, quarterly $5,013
Volatile liabilities $17,143
Insider loans $17,149
FHLB advances $9,237
Loans and leases held for sale $17,389
Unused loan commitments $429
Tier 1 (core) risk-based capital $429
Tier 2 risk-based capital $2,069
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $30
Derivatives$0
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $863
Total interest expense $100
Net interest income $763
Provision for loan and lease losses $0
Total noninterest income $184
Fiduciary activities $0
Service charges on deposit accounts $123
Trading account gains & fees $0
Additional noninterest income $61
Total noninterest expense $826
Salaries and employee benefits $432
Premises and equipment expense $158
Additional noninterest expense $236
Pre-tax net operating income $121
Securities gains (losses) $31
Applicable income taxes $16
Income before extraordinary items $136
Extraordinary gains - net $0
Net income attributable to bank $136
Net charge-offs $0
Cash dividends $136
Sale, conversion, retirement of capital stock, net -$2
Net operating income $148
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.57%
Cost of funding earning assets 0.65%
Net interest margin 4.93%
Noninterest income to earning assets 1.19%
Noninterest expense to earning assets 5.33%
Net operating income to assets 0.63%
Return on assets (ROA) 0.79%
Pretax return on assets 0.89%
Return on equity (ROE) 5.83%
Retained earnings to average equity (YTD only) -0.51%
Net charge-offs to loans -0.04%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio0.00%
Assets per employee$87,223
Cash dividends to net income (YTD only)0.81%
Condition Ratios (%)
Loss allowance to loans 108.82%
Loss allowance to noncurrent loans 5.20%
Noncurrent assets plus other real estate owned to assets 12100.00%
Noncurrent loans to loans 0.01%
Net loans and leases to deposits0.04%
Net loans and leases to core deposits 30.37%
Equity capital to assets 31.84%
Core capital (leverage) ratio 13.39%
Tier 1 risk-based capital ratio 11.90%
Total risk-based capital ratio 22.40%
Memoranda
Average assets$24
Average earning assets$17,143
Average equity $2,331
Average loans $15,488
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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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