Farmers & Merchants Bank in Tomah, Wisconsin (WI)



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Farmers & Merchants Bank routing number info

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Farmers & Merchants Bank
GeneralFDIC Certificate #: 13046
Status: Active
Federal Reserve ID: 2040
Bank Holding Company (Regulatory Top Holder): F. & M. Bancorp Of Tomah, Inc. (RSSDID: 1245602, Location: Tomah, WI)
Date Established: January 01, 1911
WWW: http://www.fmnetbank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
OTS Docket #: 14158
FDIC's unique #: 8246
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: Febuary 28, 2007
Last Structure Change Process Date: March 26, 2007
Last Data Update: March 26, 2007
Data Source Date: April 05, 2012
LocationAddress: 1001 Superior Avenue, Tomah, WI 54660
County: Monroe
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Madison
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
History of ChangesChange in Trust Powers
Financial SummaryTotal assets: $192.9 mil
Equity capital: $20.8 mil
Deposits held in domestic offices: $147.7 mil
Return on assets (ROA): 0.35% ($0.7 mil)
Quarterly return on assets: -0.07% (-$0.1 mil)
Return on Equity (ROE): 3.39% ($0.7 mil)
Quarterly return on equity: -0.69% (-$0.1 mil)
Net income: $0.7 mil
Quarterly Net income: -$0.0 mil
Pretax return on assets: 0.32% ($617.3 mil)
Quarterly Pretax return on assets: -0.34% (-$655.9 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)49
Total assets$192,905
Cash and due from depository institutions$8,541
Interest-bearing balances$5,316
Securities$42,403
Federal funds sold & reverse repurchase agreements$8,800
Net loans & leases$122,704
Loan loss allowance $3,800
Trading account assets$0
Bank premises and fixed assets$3,163
Other real estate owned$314
Goodwill and other intangibles$0
All other assets$6,980
Life insurance assets$192,905
Total liabilities and capital$172,143
Total liabilities$147,656
Total deposits$131,887
Interest-bearing deposits$147,656
Deposits held in domestic offices$90
% insured (estimated)3316.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$20,000
Other borrowed funds $0
Subordinated debt $1,171
All other liabilities $20,762
Total equity capital$20,762
Total bank equity capital$20,762
Perpetual preferred stock$0
Common stock$480
Surplus$4,270
Undivided profits $16,012
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $158
Income earned, not collected on loans $4,897
Earning assets $85
Long-term assets (5+ years) $766
Average Assets, year-to-date $179,223
Average Assets, quarterly $32,867
Volatile liabilities $200,220
Insider loans $194,385
FHLB advances $140,735
Loans and leases held for sale $207,222
Unused loan commitments $2,553
Tier 1 (core) risk-based capital $2,553
Tier 2 risk-based capital $20,297
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $8,552
Derivatives$944
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $9,297
Total interest expense $3,051
Net interest income $6,246
Provision for loan and lease losses $1,052
Total noninterest income $1,182
Fiduciary activities $0
Service charges on deposit accounts $518
Trading account gains & fees $0
Additional noninterest income $664
Total noninterest expense $5,619
Salaries and employee benefits $2,510
Premises and equipment expense $509
Additional noninterest expense $2,600
Pre-tax net operating income $757
Securities gains (losses) -$107
Applicable income taxes -$44
Income before extraordinary items $694
Extraordinary gains - net $0
Net income attributable to bank $694
Net charge-offs $0
Cash dividends $694
Sale, conversion, retirement of capital stock, net $399
Net operating income $133
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.97%
Cost of funding earning assets 1.63%
Net interest margin 3.34%
Noninterest income to earning assets 0.63%
Noninterest expense to earning assets 3.01%
Net operating income to assets 0.40%
Return on assets (ROA) 0.35%
Pretax return on assets 0.32%
Return on equity (ROE) 3.39%
Retained earnings to average equity (YTD only) 2.74%
Net charge-offs to loans 0.29%
Credit loss provision to net charge-offs 263.66%
Efficiency ratio4.53%
Assets per employee$75,646
Cash dividends to net income (YTD only)3.94%
Condition Ratios (%)
Loss allowance to loans 19.16%
Loss allowance to noncurrent loans 3.00%
Noncurrent assets plus other real estate owned to assets 77.60%
Noncurrent loans to loans 2.70%
Net loans and leases to deposits3.87%
Net loans and leases to core deposits 83.10%
Equity capital to assets 105.86%
Core capital (leverage) ratio 10.76%
Tier 1 risk-based capital ratio 9.79%
Total risk-based capital ratio 14.42%
Memoranda
Average assets$16
Average earning assets$200,220
Average equity $20,446
Average loans $186,875
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Total Fiduciary and Related Assets (December 31, 2001)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$5,890
Number of Accounts1
Personal trust and agency accounts$5,890
Employee benefit-defined contribution accounts$5,590
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$44
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$256
Number of Accounts36
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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3 Wisconsin Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
08246Farmers & Merchants Bank1001 Superior Avenue, Tomah, WI 54660January 01, 1911Full Service Brick and Mortar
1228807Warrens Branch301 Market Street, Warrens, WI 54666May 20, 1935Full Service Brick and Mortar
33624221500 Superior Avenue Branch1500 North Superior Avenue, Tomah, WI 54660November 07, 2001Full Service Brick and Mortar
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