F&M Bank and Trust Company in Hannibal, Missouri (MO), IL
Overview, Financial Summary, Detailed Financial Reports, Branches


  • F&M Bank and Trust Company in Hannibal, Missouri (MO), IL
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F&M Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 30595
    Status: Active
    Federal Reserve ID: 413673
    Date Established: January 01, 1886
    WWW: http://www.bankfm.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 9 (Domestic: 9, Interstate: Yes)
    OTS Docket #: 5608
    FDIC's unique #: 43429
    Numeric code: 33
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: 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: Commercial Lending Specialization
    Date of Deposit Insurance: November 03, 1952
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 505 Broadway, Hannibal, MO 63401
    County: Marion
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: St. Louis
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Hannibal, MO (#25300)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $186.8 mil
    Equity capital: $14.7 mil
    Deposits held in domestic offices: $150.3 mil
    Return on assets (ROA): -0.57% (-$1.1 mil)
    Quarterly return on assets: 0.66% ($1.2 mil)
    Return on Equity (ROE): -6.78% (-$1.0 mil)
    Quarterly return on equity: 8.19% ($1.2 mil)
    Net income: -$1.0 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: -0.92% (-$1,718.6 mil)
    Quarterly Pretax return on assets: 1.22% ($2,279.0 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
  • 109Total employees (full-time equivalent)
  • $186,802Total assets
  • $6,070Cash and due from depository institutions
  • $948Interest-bearing balances
  • $21,460Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $146,184Net loans & leases
  • $1,952Loan loss allowance
  • $0Trading account assets
  • $3,497Bank premises and fixed assets
  • $1,899Other real estate owned
  • $2,363Goodwill and other intangibles
  • $186,802Life insurance assets
  • $5,329All other assets
  • $172,113Total liabilities and capital
  • $150,319Total liabilities
  • $131,896Total deposits
  • $150,319Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 624.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $20,511Trading liabilities
  • $0Other borrowed funds
  • $659Subordinated debt
  • $14,689All other liabilities
  • $14,689Total equity capital
  • $14,689Total bank equity capital
  • $0Perpetual preferred stock
  • $1,141Common stock
  • $5,809Surplus
  • $7,739Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,542Income earned, not collected on loans
  • $0Earning assets
  • $504Long-term assets (5+ years)
  • $168,592Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $178,745Volatile liabilities
  • $180,095Insider loans
  • $113,911FHLB advances
  • $185,453Loans and leases held for sale
  • $1,051Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $13,191Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,451Restructured Loans and leases
  • $4,564Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,884Total interest income
  • $1,816Total interest expense
  • $6,068Net interest income
  • $1,758Provision for loan and lease losses
  • $3,609Total noninterest income
  • $0Fiduciary activities
  • $41Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,568Additional noninterest income
  • $9,638Total noninterest expense
  • $5,599Salaries and employee benefits
  • $1,476Premises and equipment expense
  • $2,563Additional noninterest expense
  • -$1,719Pre-tax net operating income
  • $70Securities gains (losses)
  • -$622Applicable income taxes
  • -$1,027Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,027Net income attributable to bank
  • $0Net charge-offs
  • -$1,027Cash dividends
  • $1,347Sale, conversion, retirement of capital stock, net
  • $140Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.87%Yield on earning assets
  • 1.12%Cost of funding earning assets
  • 3.75%Net interest margin
  • 2.23%Noninterest income to earning assets
  • 5.95%Noninterest expense to earning assets
  • -0.60%Net operating income to assets
  • -0.57%Return on assets (ROA)
  • -0.92%Pretax return on assets
  • -6.78%Return on equity (ROE)
  • -7.71%Retained earnings to average equity (YTD only)
  • 1.00%Net charge-offs to loans
  • 130.51%Credit loss provision to net charge-offs
  • 0.03%Efficiency ratio
  • 98,254Assets per employee
  • 1.71%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -13.63%Loss allowance to loans
  • 1.32%Loss allowance to noncurrent loans
  • 29.84%Noncurrent assets plus other real estate owned to assets
  • 4.52%Noncurrent loans to loans
  • 4.42%Net loans and leases to deposits
  • 97.25%Net loans and leases to core deposits
  • 110.11%Equity capital to assets
  • 7.86%Core capital (leverage) ratio
  • 7.19%Tier 1 risk-based capital ratio
  • 11.58%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $178,745Average earning assets
  • $15,142Average equity
  • $161,967Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $19,519Managed Assets
  • 1Number of Accounts
  • $15,797Personal trust and agency accounts
  • $6,789Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $846Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $2,788Other fiduciary accounts
  • $5,374Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 40Number of Accounts
  • $0Personal trust and agency accounts
  • $846Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $3,722Other retirement accounts
  • $3,147Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 1 Illinois Branch as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    105481112F&M Bank And Trust Company Branch2905 Broadway, Quincy, IL 62301December 22, 2006Full Service Brick and Mortar
  • 8 Missouri Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    043429F&M Bank And Trust Company505 Broadway, Hannibal, MO 63401January 01, 1886Full Service Brick and Mortar
    1281083F&M Bank And Trust Company Branch902 Highway 24 And 36 E, Monroe City, MO 63456January 01, 1886Full Service Brick and Mortar
    2281084F&M Bank And Trust Company Branch100 East Chestnut, Shelbina, MO 63468January 01, 1886Full Service Brick and Mortar
    100281086F&M Bank And Trust Company Branch201 N Main St, Palmyra, MO 63461January 01, 1886Full Service Brick and Mortar
    103190448F&M Bank And Trust Company Branch4801 Mcmasters Avenue, Hannibal, MO 63401May 03, 1982Full Service Brick and Mortar
    104190449F&M Bank And Trust Company Branch3914 Market Street, Hannibal, MO 63401January 13, 1999Full Service Brick and Mortar
    106481113F&M Bank And Trust Company Branch70 Crossroads Plaza, O Fallon, MO 63368May 01, 2007Full Service Brick and Mortar
    107522040F&M Bank And Trust Company Branch11960 Westline Ind Dr Ste 110, Saint Louis, MO 63146August 02, 2010Full Service Brick and Mortar

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