F&M Bank in Clarksville, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • F&M Bank in Clarksville, Tennessee (TN)
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F&M Bank - Overview

  • General
  • FDIC Certificate #: 9963
    Status: Active
    Federal Reserve ID: 741330
    Bank Holding Company (Regulatory Top Holder): F&M Financial Corporation (RSSDID: 1138450, Location: Clarksville, TN)
    Date Established: January 01, 1906
    WWW: http://www.myfmbank.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 21 (Domestic: 20, Interstate: No)
    OTS Docket #: 9294
    FDIC's unique #: 6368
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: January 30, 2007
    Last Structure Change Process Date: January 30, 2007
    Last Data Update: January 30, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 50 Franklin Street, Clarksville, TN 37040
    County: Montgomery
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Nashville
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Clarksville-Hopkinsville, TN-KY (#1660)
    Core Based Statistical Area (CBSA): Clarksville, TN-KY (#17300)
    CBSA Metro Statistical Area: Clarksville, TN-KY (#17300)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $790.6 mil
    Equity capital: $62.3 mil
    Deposits held in domestic offices: $644.4 mil
    Return on assets (ROA): 0.66% ($5.2 mil)
    Quarterly return on assets: 0.75% ($5.9 mil)
    Return on Equity (ROE): 8.56% ($5.3 mil)
    Quarterly return on equity: 9.58% ($5.9 mil)
    Net income: $5.2 mil
    Quarterly Net income: $1.5 mil
    Pretax return on assets: 0.93% ($7,352.9 mil)
    Quarterly Pretax return on assets: 1.16% ($9,171.4 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
  • 226Total employees (full-time equivalent)
  • $790,637Total assets
  • $13,721Cash and due from depository institutions
  • $8,982Interest-bearing balances
  • $81,129Securities
  • $3,810Federal funds sold & reverse repurchase agreements
  • $626,027Net loans & leases
  • $7,003Loan loss allowance
  • $0Trading account assets
  • $29,943Bank premises and fixed assets
  • $7,532Other real estate owned
  • $315Goodwill and other intangibles
  • $790,636Life insurance assets
  • $28,160All other assets
  • $720,910Total liabilities and capital
  • $644,418Total liabilities
  • $568,852Total deposits
  • $644,418Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $67,018Trading liabilities
  • $0Other borrowed funds
  • $9,474Subordinated debt
  • $69,726All other liabilities
  • $62,335Total equity capital
  • $62,335Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $32,211Surplus
  • $29,124Undivided profits
  • Memoranda
  • $7,391Noncurrent loans and leases
  • $34,239Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,678Income earned, not collected on loans
  • $0Earning assets
  • $4,643Long-term assets (5+ years)
  • $719,948Average Assets, year-to-date
  • $98,300Average Assets, quarterly
  • $789,230Volatile liabilities
  • $791,378Insider loans
  • $613,740FHLB advances
  • $785,411Loans and leases held for sale
  • $11,408Unused loan commitments
  • $6,708Tier 1 (core) risk-based capital
  • $67,712Tier 2 risk-based capital
  • $4,700Total risk weighted assets
  • $0Total unused commitments
  • $115,779Restructured Loans and leases
  • $872Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $37,119Total interest income
  • $7,862Total interest expense
  • $29,257Net interest income
  • $2,869Provision for loan and lease losses
  • $11,047Total noninterest income
  • $0Fiduciary activities
  • $2,229Service charges on deposit accounts
  • $0Trading account gains & fees
  • $8,818Additional noninterest income
  • $30,174Total noninterest expense
  • $15,318Salaries and employee benefits
  • $4,675Premises and equipment expense
  • $10,181Additional noninterest expense
  • $7,261Pre-tax net operating income
  • $654Securities gains (losses)
  • $2,145Applicable income taxes
  • $5,770Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,198Net income attributable to bank
  • $572Net charge-offs
  • $5,770Cash dividends
  • $1,762Sale, conversion, retirement of capital stock, net
  • $3,375Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.18%Yield on earning assets
  • 1.10%Cost of funding earning assets
  • 4.08%Net interest margin
  • 1.54%Noninterest income to earning assets
  • 4.21%Noninterest expense to earning assets
  • 0.67%Net operating income to assets
  • 0.66%Return on assets (ROA)
  • 0.93%Pretax return on assets
  • 8.56%Return on equity (ROE)
  • 3.00%Retained earnings to average equity (YTD only)
  • 0.28%Net charge-offs to loans
  • 162.83%Credit loss provision to net charge-offs
  • 5.75%Efficiency ratio
  • 74,866Assets per employee
  • 3.50%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 64.93%Loss allowance to loans
  • 1.11%Loss allowance to noncurrent loans
  • 80.70%Noncurrent assets plus other real estate owned to assets
  • 2.05%Noncurrent loans to loans
  • 1.37%Net loans and leases to deposits
  • 97.15%Net loans and leases to core deposits
  • 125.03%Equity capital to assets
  • 7.88%Core capital (leverage) ratio
  • 8.62%Tier 1 risk-based capital ratio
  • 11.03%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $789,230Average earning assets
  • $60,759Average equity
  • $716,749Average loans

List of branches

  • 21 Tennessee Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06368F&M Bank50 Franklin Street, Clarksville, TN 37040January 01, 1906Full Service Brick and Mortar
    1221619Bumpus Mills BranchHighway 120, Bumpus Mills, TN 37028November 18, 1974Full Service Brick and Mortar
    2221620Dover BranchOne Donelson Parkway, Dover, TN 37058November 01, 1989Full Service Brick and Mortar
    4221622Hilldale Branch1891 Madison Street, Clarksville, TN 37043Febuary 27, 1995Full Service Brick and Mortar
    5221623Springfield Branch3519 Tom Austin Highway, Springfield, TN 37172March 10, 1995Full Service Brick and Mortar
    6221624Uffelman Branch215 Uffelman Drive, Clarksville, TN 37043April 21, 1995Limited Service Mobile
    8221626St Bethlehem Branch2601 Wilma Rudolph Blvd, Clarksville, TN 37040January 16, 1996Full Service Brick and Mortar
    9221627Dover Road Branch251 Dover Road, Clarksville, TN 37042January 14, 1997Full Service Brick and Mortar
    10221628Greenbrier Office2286 Highway 41, South, Greenbrier, TN 37073March 17, 1997Full Service Brick and Mortar
    1241881490 College Street Drive -through Bra90 College Street, Clarksville, TN 37040December 09, 2002Limited Service Facility
    14446307Sango Branch Office2698 Madison Street, Highway 41-A, Clarksville, TN 37043January 03, 2006Full Service Brick and Mortar
    15447248West Main Branch225 West Main Street, Lebanon, TN 37087January 30, 2006Full Service Brick and Mortar
    16449874Mt. Juliet Branch4152 North Mt. Juliet Road, Mount Juliet, TN 37122March 07, 2006Full Service Brick and Mortar
    19470243Murfreesboro Branch802 Memorial Blvd, Murfreesboro, TN 37129December 03, 2007Full Service Brick and Mortar
    20481020Murfreesboro Mortgage Office1639 Medical Center Parkway, Suite 101, Murfreesboro, TN 37129September 02, 2008Limited Service Loan Production
    24482376White House Branch518 Highway 76, White House, TN 37188November 17, 2008Full Service Brick and Mortar
    26492546Spring Hill Mortgage Office, An Office Of F&M Bank3314 A-B Kedron Road, Spring Hill, TN 37174May 27, 2009Limited Service Loan Production
    27492987Hendersonville Branch100 Bluegrass Commons Blvd Suite 100, Hendersonville, TN 37075April 20, 2009Full Service Brick and Mortar
    28492988Cookeville Branch541 South Willow Suite 104 Merchant Ct, Cookeville, TN 38501May 11, 2009Full Service Brick and Mortar
    29493980Brenwood Mortgage Office10 Cadillac Way, Suite 100, Brentwood, TN 37027July 13, 2009Limited Service Loan Production
    30529514F&M Bank, Green Hills Mortgage Office2021 Richard Jones Road, Nashville, TN 37215March 01, 2012Limited Service Loan Production

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