FMB Bank in Wright City, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • FMB Bank in Wright City, Missouri (MO)
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FMB Bank - Overview

  • General
  • FDIC Certificate #: 12225
    Status: Active
    Federal Reserve ID: 509857
    Bank Holding Company (Regulatory Top Holder): Farmers & Merchants Bancshares, Inc. (RSSDID: 1099225, Location: Wright City, MO)
    Date Established: December 10, 1910
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 14653
    FDIC's unique #: 7770
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: December 07, 2011
    Last Structure Change Process Date: December 07, 2011
    Last Data Update: December 07, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 100 Veterans Memorial Parkway, Wright City, MO 63390
    County: Warren
    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
    Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040)
    Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
    Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
    CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
  • Financial Summary
  • Total assets: $36.1 mil
    Equity capital: $3.5 mil
    Deposits held in domestic offices: $32.5 mil
    Return on assets (ROA): 0.16% ($0.1 mil)
    Quarterly return on assets: 0.50% ($0.2 mil)
    Return on Equity (ROE): 1.83% ($0.1 mil)
    Quarterly return on equity: 5.32% ($0.2 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.17% ($61.4 mil)
    Quarterly Pretax return on assets: 0.61% ($220.3 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
  • 15Total employees (full-time equivalent)
  • $36,119Total assets
  • $3,256Cash and due from depository institutions
  • $1,846Interest-bearing balances
  • $9,686Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $18,558Net loans & leases
  • $372Loan loss allowance
  • $0Trading account assets
  • $2,134Bank premises and fixed assets
  • $608Other real estate owned
  • $0Goodwill and other intangibles
  • $36,119Life insurance assets
  • $1,877All other assets
  • $32,662Total liabilities and capital
  • $32,524Total liabilities
  • $27,767Total deposits
  • $32,524Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $138Subordinated debt
  • $3,457All other liabilities
  • $3,457Total equity capital
  • $3,457Total bank equity capital
  • $0Perpetual preferred stock
  • $81Common stock
  • $935Surplus
  • $2,441Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $911Income earned, not collected on loans
  • $0Earning assets
  • $133Long-term assets (5+ years)
  • $30,090Average Assets, year-to-date
  • $8,784Average Assets, quarterly
  • $38,045Volatile liabilities
  • $36,646Insider loans
  • $23,532FHLB advances
  • $37,001Loans and leases held for sale
  • $1,172Unused loan commitments
  • $853Tier 1 (core) risk-based capital
  • $3,320Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $319Total unused commitments
  • $1,102Restructured Loans and leases
  • $339Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,522Total interest income
  • $257Total interest expense
  • $1,265Net interest income
  • $123Provision for loan and lease losses
  • $338Total noninterest income
  • $0Fiduciary activities
  • $193Service charges on deposit accounts
  • $0Trading account gains & fees
  • $145Additional noninterest income
  • $1,502Total noninterest expense
  • $796Salaries and employee benefits
  • $281Premises and equipment expense
  • $425Additional noninterest expense
  • -$22Pre-tax net operating income
  • $85Securities gains (losses)
  • $1Applicable income taxes
  • $62Income before extraordinary items
  • $0Extraordinary gains - net
  • $62Net income attributable to bank
  • $0Net charge-offs
  • $62Cash dividends
  • $102Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.97%Yield on earning assets
  • 0.84%Cost of funding earning assets
  • 4.13%Net interest margin
  • 1.10%Noninterest income to earning assets
  • 4.91%Noninterest expense to earning assets
  • -0.06%Net operating income to assets
  • 0.16%Return on assets (ROA)
  • 0.17%Pretax return on assets
  • 1.83%Return on equity (ROE)
  • 1.83%Retained earnings to average equity (YTD only)
  • 0.52%Net charge-offs to loans
  • 120.59%Credit loss provision to net charge-offs
  • 0.99%Efficiency ratio
  • 93,699Assets per employee
  • 2.41%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.97%Loss allowance to noncurrent loans
  • 40.83%Noncurrent assets plus other real estate owned to assets
  • 4.21%Noncurrent loans to loans
  • 4.81%Net loans and leases to deposits
  • 57.06%Net loans and leases to core deposits
  • 57.62%Equity capital to assets
  • 9.57%Core capital (leverage) ratio
  • 8.97%Tier 1 risk-based capital ratio
  • 14.11%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $38,045Average earning assets
  • $3,386Average equity
  • $30,615Average loans

List of branches

  • 1 Missouri Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07770Fmb Bank100 Veterans Memorial Parkway, Wright City, MO 63390December 10, 1910Full Service Brick and Mortar

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