The Fort Sill National Bank in Fort Sill, Oklahoma (OK), TN, NC, DE, CA

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The Fort Sill National Bank
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)914
Total assets$369,817
Cash and due from depository institutions$73,196
Interest-bearing balances$42,900
Securities$202,778
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$52,673
Loan loss allowance $2,934
Trading account assets$0
Bank premises and fixed assets$21,686
Other real estate owned$1,326
Goodwill and other intangibles$0
All other assets$18,158
Life insurance assets$369,817
Total liabilities and capital$329,197
Total liabilities$324,356
Total deposits$309,218
Interest-bearing deposits$324,356
Deposits held in domestic offices$89
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$1,764
Other borrowed funds $0
Subordinated debt $3,077
All other liabilities $40,620
Total equity capital$40,620
Total bank equity capital$40,620
Perpetual preferred stock$0
Common stock$2,057
Surplus$2,056
Undivided profits $36,507
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 $540
Earning assets $0
Long-term assets (5+ years) $1,398
Average Assets, year-to-date $298,351
Average Assets, quarterly $131,053
Volatile liabilities $358,866
Insider loans $377,096
FHLB advances $142,980
Loans and leases held for sale $355,646
Unused loan commitments $8,033
Tier 1 (core) risk-based capital $5,374
Tier 2 risk-based capital $36,087
Total risk weighted assets $0
Total unused commitments $2,659
Restructured Loans and leases $17,680
Derivatives$138
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $11,242
Total interest expense $2,205
Net interest income $9,037
Provision for loan and lease losses $7,039
Total noninterest income $57,497
Fiduciary activities $0
Service charges on deposit accounts $51,501
Trading account gains & fees $0
Additional noninterest income $5,996
Total noninterest expense $49,037
Salaries and employee benefits $29,600
Premises and equipment expense $6,803
Additional noninterest expense $12,634
Pre-tax net operating income $10,458
Securities gains (losses) -$635
Applicable income taxes $0
Income before extraordinary items $9,823
Extraordinary gains - net $0
Net income attributable to bank $9,823
Net charge-offs $0
Cash dividends $9,823
Sale, conversion, retirement of capital stock, net $6,853
Net operating income $4,453
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.88%
Cost of funding earning assets 0.76%
Net interest margin 3.12%
Noninterest income to earning assets 19.85%
Noninterest expense to earning assets 16.93%
Net operating income to assets 2.91%
Return on assets (ROA) 2.74%
Pretax return on assets 2.74%
Return on equity (ROE) 25.97%
Retained earnings to average equity (YTD only) 14.20%
Net charge-offs to loans 10.94%
Credit loss provision to net charge-offs 102.71%
Efficiency ratio2.55%
Assets per employee$73,702
Cash dividends to net income (YTD only)0.40%
Condition Ratios (%)
Loss allowance to loans 45.33%
Loss allowance to noncurrent loans 5.28%
Noncurrent assets plus other real estate owned to assets 543.33%
Noncurrent loans to loans 0.50%
Net loans and leases to deposits0.97%
Net loans and leases to core deposits 16.24%
Equity capital to assets 16.43%
Core capital (leverage) ratio 10.98%
Tier 1 risk-based capital ratio 10.15%
Total risk-based capital ratio 25.24%
Memoranda
Average assets$26
Average earning assets$358,866
Average equity $37,824
Average loans $289,610
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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
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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
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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
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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
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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
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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
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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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