The Fort Sill National Bank in Fort Sill, Oklahoma (OK), TN, NC, DE, CA
Overview, Financial Summary, Detailed Financial Reports, Branches


The Fort Sill National Bank - Overview

  • General
  • FDIC Certificate #: 16416
    Status: Active
    Federal Reserve ID: 125154
    Bank Holding Company (Regulatory Top Holder): Jrmb Ii, Inc (RSSDID: 4208961, Location: Lawton, OK)
    Date Established: July 01, 1946
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 71 (Domestic: 71, Interstate: Yes)
    OTS Docket #: 52377
    FDIC's unique #: 10591
    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: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: July 01, 1946
    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: 1647 Randolph Road, Fort Sill, OK 73503
    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: $369.8 mil
    Equity capital: $40.6 mil
    Deposits held in domestic offices: $324.4 mil
    Return on assets (ROA): 2.74% ($10.1 mil)
    Quarterly return on assets: 2.31% ($8.5 mil)
    Return on Equity (ROE): 25.97% ($10.6 mil)
    Quarterly return on equity: 21.73% ($8.9 mil)
    Net income: $9.8 mil
    Quarterly Net income: $2.2 mil
    Pretax return on assets: 2.74% ($10,133.0 mil)
    Quarterly Pretax return on assets: 2.31% ($8,542.8 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
  • 914Total employees (full-time equivalent)
  • $369,817Total assets
  • $73,196Cash and due from depository institutions
  • $42,900Interest-bearing balances
  • $202,778Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $52,673Net loans & leases
  • $2,934Loan loss allowance
  • $0Trading account assets
  • $21,686Bank premises and fixed assets
  • $1,326Other real estate owned
  • $0Goodwill and other intangibles
  • $369,817Life insurance assets
  • $18,158All other assets
  • $329,197Total liabilities and capital
  • $324,356Total liabilities
  • $309,218Total deposits
  • $324,356Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,764Trading liabilities
  • $0Other borrowed funds
  • $3,077Subordinated debt
  • $40,620All other liabilities
  • $40,620Total equity capital
  • $40,620Total bank equity capital
  • $0Perpetual preferred stock
  • $2,057Common stock
  • $2,056Surplus
  • $36,507Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $540Income earned, not collected on loans
  • $0Earning assets
  • $1,398Long-term assets (5+ years)
  • $298,351Average Assets, year-to-date
  • $131,053Average Assets, quarterly
  • $358,866Volatile liabilities
  • $377,096Insider loans
  • $142,980FHLB advances
  • $355,646Loans and leases held for sale
  • $8,033Unused loan commitments
  • $5,374Tier 1 (core) risk-based capital
  • $36,087Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,659Total unused commitments
  • $17,680Restructured Loans and leases
  • $138Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,242Total interest income
  • $2,205Total interest expense
  • $9,037Net interest income
  • $7,039Provision for loan and lease losses
  • $57,497Total noninterest income
  • $0Fiduciary activities
  • $51,501Service charges on deposit accounts
  • $0Trading account gains & fees
  • $5,996Additional noninterest income
  • $49,037Total noninterest expense
  • $29,600Salaries and employee benefits
  • $6,803Premises and equipment expense
  • $12,634Additional noninterest expense
  • $10,458Pre-tax net operating income
  • -$635Securities gains (losses)
  • $0Applicable income taxes
  • $9,823Income before extraordinary items
  • $0Extraordinary gains - net
  • $9,823Net income attributable to bank
  • $0Net charge-offs
  • $9,823Cash dividends
  • $6,853Sale, conversion, retirement of capital stock, net
  • $4,453Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.88%Yield on earning assets
  • 0.76%Cost of funding earning assets
  • 3.12%Net interest margin
  • 19.85%Noninterest income to earning assets
  • 16.93%Noninterest expense to earning assets
  • 2.91%Net operating income to assets
  • 2.74%Return on assets (ROA)
  • 2.74%Pretax return on assets
  • 25.97%Return on equity (ROE)
  • 14.20%Retained earnings to average equity (YTD only)
  • 10.94%Net charge-offs to loans
  • 102.71%Credit loss provision to net charge-offs
  • 2.55%Efficiency ratio
  • 73,702Assets per employee
  • 0.40%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 45.33%Loss allowance to loans
  • 5.28%Loss allowance to noncurrent loans
  • 543.33%Noncurrent assets plus other real estate owned to assets
  • 0.50%Noncurrent loans to loans
  • 0.97%Net loans and leases to deposits
  • 16.24%Net loans and leases to core deposits
  • 16.43%Equity capital to assets
  • 10.98%Core capital (leverage) ratio
  • 10.15%Tier 1 risk-based capital ratio
  • 25.24%Total risk-based capital ratio
  • Memoranda
  • $26Average assets
  • $358,866Average earning assets
  • $37,824Average equity
  • $289,610Average loans

List of branches

  • 2 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    4238042Fsnb - Twentynine Palms BranchBuilding 1515 Brown Street, Twentynine Palms, CA 92278September 09, 1996Full Service Brick and Mortar
    7238045Fsnb - Oceanside Branch3825 Mission Avenue Suite D-9, Oceanside, CA 92054July 01, 1997Full Service Brick and Mortar
  • 3 Delaware Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    3238041Fsnb - Dover Main BranchBuilding 267 Tuskeegee Avenue, Dover Afb, DE 19902October 01, 1995Full Service Brick and Mortar
    20422228Fsnb - Dover Bx BranchBuilding 266 Galaxy Street, Dover Afb, DE 19902June 30, 2003Full Service Retail
    72526948Dover Wal-Mart Branch36 Jerome Drive, Dover, DE 19901October 26, 2011Full Service Brick and Mortar
  • 21 North Carolina Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    5238043Fsnb - Jacksonville College Plaza Br116 College Plaza, Jacksonville, NC 28546July 15, 1997Full Service Brick and Mortar
    8238046Fsnb - Jacksonville Walmart Branch2025 N. Marine Blvd, Jacksonville, NC 28546October 01, 1997Full Service Retail
    9238047Fsnb - Wilmington Market St Walmart5226 Sigmon Road, Wilmington, NC 28403July 01, 1997Full Service Retail
    10238048Fsnb - Hope Mills Walmart Branch3030 N. Main Street, Hope Mills, NC 28348July 01, 1997Full Service Retail
    11360201Fsnb - New River Branch4040 Curtis Road, Mccutcheon Field, NC 28545March 01, 2001Full Service Retail
    12360202Fsnb - Fayetteville Skibo Rd Walmart1550 Skibo Road, Fayetteville, NC 28303Febuary 09, 2001Full Service Retail
    14360903Fsnb - Wilmington Monkey Junction Wa5135 Carolina Beach Road, Wilmington, NC 28412October 15, 2000Full Service Retail
    21428686Fsnb - Fayetteville Yadkin Road Bran6243 Yadkin Road, Fayetteville, NC 28303May 05, 2004Full Service Brick and Mortar
    22428687Fsnb - Fayetteville Raeford Rd Walma7707 S. Raeford Road, Fayetteville, NC 28304April 23, 2004Full Service Retail
    23430024Fsnb - Wilmington New Centre Road Ta4720 New Center Road Unit D, Wilmington, NC 28403June 30, 2004Full Service Brick and Mortar
    24430025Fsnb - Spring Lake Walmart Branch670 Lillington Highway, Spring Lake, NC 28390June 30, 2004Full Service Retail
    25431775Fsnb - Rockingham Walmart Branch720 Us Highway 74, Rockingham, NC 28379July 27, 2004Full Service Retail
    27440477Fsnb - Wake Forest Walmart Branch2114 S. Main Street, Wake Forest, NC 27587August 25, 2004Full Service Retail
    28440748Fsnb - Raleigh New Bern Walmart Bran4431 New Bern Avenue, Raleigh, NC 27610May 11, 2005Full Service Retail
    29443327Fsnb - Raleigh New Hope Church Walma1725 New Hope Church Road, Raleigh, NC 27609May 11, 2005Full Service Retail
    30448860Fsnb - Mebane Walmart Branch1318 Mebane Oaks Road, Mebane, NC 27302January 23, 2006Full Service Retail
    54493377Fsnb - Spring Lake Bragg Blvd Branch501 N. Bragg Blvd, Spring Lake, NC 28390July 30, 2008Full Service Brick and Mortar
    55493378Fsnb - Fayetteville Reilly Road Bran163 N. Reilly Road, Fayetteville, NC 28303August 06, 2008Full Service Brick and Mortar
    58493381Fsnb - Rockingham Broad Avenue Branc1300 E. Broad Avenue, Rockingham, NC 28379September 15, 2008Full Service Brick and Mortar
    60493576Country Club Road Branch1606 Country Club Road, Jacksonville, NC 28546July 01, 2009Full Service Brick and Mortar
    70521978Monroe Branch2406 W. Roosevelt Blvd, Monroe, NC 28110July 20, 2011Full Service Brick and Mortar
  • 8 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010591The Fort Sill National Bank1647 Randolph Road, Fort Sill, OK 73503July 01, 1946Full Service Brick and Mortar
    6238044Fsnb - Lawton Annex511 Sw A Avenue, Lawton, OK 73501July 01, 1997Full Service Brick and Mortar
    13360340Fsnb - Lawton South203 Sw Bishop Road, Lawton, OK 73501November 06, 2000Limited Service Administrative
    15362983Fsnb - Fort Sill Sheridan Road Branc3282 N. Sheridan Road, Fort Sill, OK 73503January 02, 2002Full Service Brick and Mortar
    16364948Fsnb - Fort Sill Px Branch1718 Gruber Road, Fort Sill, OK 73503August 16, 1999Full Service Retail
    17365072Fsnb - Fort Sill Quarry Hill Branch6036 Rothwell Street, Fort Sill, OK 73503November 15, 2001Full Service Retail
    18365732Fsnb - Fort Sill Welcome Center BranBuilding 3164 Room 1002, Fort Sill, OK 73503November 01, 2002Full Service Retail
    50479828Fsnb - Lawton West Branch6212 W. Cache Road, Lawton, OK 73505June 16, 2008Full Service Brick and Mortar
  • 1 South Carolina Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    2238040Fsnb - Parris Island BranchBoulevard De France Building 292, Parris Island, SC 29905November 17, 1988Full Service Brick and Mortar
  • 34 Tennessee Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    31452539Fsnb - Hermitage Walmart Branch4424 Lebanon Pike, Hermitage, TN 37076June 22, 2006Full Service Retail
    32452540Fsnb - Antioch Walmart Branch3035 Hamilton Church Road, Antioch, TN 37013June 15, 2006Full Service Retail
    34457283Fsnb - Clarksville Walmart Branch2315 Madison Street, Clarksville, TN 37043October 18, 2006Full Service Retail
    35457284Fsnb - Covington Walmart Branch201 Lanny Bridges Avenue, Suite C, Covington, TN 38019October 25, 2006Full Service Retail
    36461801Fsnb - Nashville Charlotte Pike Walm7044 Charlotte Pike, Nashville, TN 37209Febuary 21, 2007Full Service Retail
    37463503Fsnb - Nashville Nolensville Walmart5824 Nolensville Pike, Nashville, TN 37211April 18, 2007Full Service Retail
    38466136Fsnb - Murfreesboro Old Fort Walmart2000 Old Fort Parkway, Murfreesboro, TN 37129May 30, 2007Full Service Retail
    39466137Fsnb - Murfreesboro Rutherford Walma2900 S Rutherford Boulevard, Murfreesboro, TN 37130June 06, 2007Full Service Retail
    40468101Fsnb - Gallatin Branch1112 Nashville Pike, Gallatin, TN 37066July 18, 2007Full Service Retail
    41470072Fsnb - Millington Branch8445 Highway 51 North, Millington, TN 38053October 31, 2007Full Service Retail
    42473423Fsnb - Knoxville Branch6777 Clinton Highway, Knoxville, TN 37912January 08, 2008Full Service Retail
    43476011Fsnb - White House Branch222 Wilkinson Lane, White House, TN 37188March 07, 2008Full Service Retail
    44476012Fsnb - Oakland Branch105 Chickasaw Ridge Drive, Oakland, TN 38060March 07, 2008Full Service Retail
    45479823Fsnb - Harriman Training Center Bran2305 N. Gateway Avenue, Suite 5, Harriman, TN 37748January 04, 2008Limited Service Administrative
    46479824Fsnb - Cookeville Branch768 S. Jefferson Avenue, Cookeville, TN 38501April 09, 2008Full Service Retail
    47479825Fsnb - Crossville Branch2542 N. Main Street, Crossville, TN 38555April 16, 2008Full Service Retail
    48479826Fsnb - Clinton Branch150 Tanner Drive, Clinton, TN 37716May 21, 2008Full Service Retail
    49479827Fsnb - Athens Branch1815 Decatur Pike, Athens, TN 37303May 28, 2008Full Service Retail
    51479829Fsnb - Johnson City Browns Mill Bran3111 Browns Mill Road, Johnson City, TN 37604June 25, 2008Full Service Retail
    52491870Antioch Sa Branch2341 Murfreesboro Pike, Nashville, TN 37217May 01, 2009Full Service Brick and Mortar
    53493376Fsnb - Johnson City Market St Branch2915 W. Market Street, Johnson City, TN 37604July 16, 2008Full Service Retail
    56493379Fsnb - Kingsport Ft Henry Branch3200 Ft Henry Drive, Kingsport, TN 37664August 20, 2008Full Service Retail
    57493380Fsnb - Kingport Stone Drive Branch2500 W. Stone Drive, Kingsport, TN 37660August 27, 2008Full Service Retail
    59493382Fsnb - Elizabethton Branch1001 Over Mountain Avenue, Elizabethton, TN 37643October 15, 2008Full Service Retail
    61493834Fsnb - Mcminnville Branch915 N. Chancery St, Mc Minnville, TN 37110March 18, 2009Full Service Retail
    62498627Mount Juliet Branch300 Pleasant Grove Rd, Suite 600, Mount Juliet, TN 37122October 28, 2009Full Service Retail
    63503128Franklin Branch3800 Mallory Lane, Franklin, TN 37067August 12, 2009Full Service Retail
    64506057Cordova Branch577 N. Germantown Parkway, Cordova, TN 38018Febuary 17, 2010Full Service Retail
    65506058Dickerson Pike Branch3458 Dickerson Pike, Nashville, TN 37207Febuary 24, 2010Full Service Retail
    66507801Collierville Branch560 West Poplar Avenue, Collierville, TN 38017March 24, 2010Full Service Retail
    67510244Knoxville Center Branch3001 Knoxville Center Drive, Suite 1240, Knoxville, TN 37924May 12, 2010Full Service Retail
    68511437Austin Peay Branch3950 Austin Peay Rd, Memphis, TN 38128July 14, 2010Full Service Brick and Mortar
    69513630Norris Freeway Branch7550 Norris Freeway, Knoxville, TN 37938September 15, 2010Full Service Brick and Mortar
    71522298Jackson Branch2196 Emporium Drive, Jackson, TN 38305September 02, 2011Full Service Brick and Mortar
  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    1238039Fsnb - Sheppard Main Branch2nd And E Streets, Building 200, Sheppard Afb, TX 76311April 30, 1963Full Service Brick and Mortar
    19422227Fsnb - Sheppard Bx BranchBuilding 239, Sheppard Afb, TX 76311June 30, 2003Full Service Retail

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