Farmers & Merchants Bank in Tomah, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches


Farmers & Merchants Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Change in Trust Powers
  • Financial Summary
  • Total 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
  • 49Total employees (full-time equivalent)
  • $192,905Total assets
  • $8,541Cash and due from depository institutions
  • $5,316Interest-bearing balances
  • $42,403Securities
  • $8,800Federal funds sold & reverse repurchase agreements
  • $122,704Net loans & leases
  • $3,800Loan loss allowance
  • $0Trading account assets
  • $3,163Bank premises and fixed assets
  • $314Other real estate owned
  • $0Goodwill and other intangibles
  • $192,905Life insurance assets
  • $6,980All other assets
  • $172,143Total liabilities and capital
  • $147,656Total liabilities
  • $131,887Total deposits
  • $147,656Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 3316.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $20,000Trading liabilities
  • $0Other borrowed funds
  • $1,171Subordinated debt
  • $20,762All other liabilities
  • $20,762Total equity capital
  • $20,762Total bank equity capital
  • $0Perpetual preferred stock
  • $480Common stock
  • $4,270Surplus
  • $16,012Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $158Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,897Income earned, not collected on loans
  • $85Earning assets
  • $766Long-term assets (5+ years)
  • $179,223Average Assets, year-to-date
  • $32,867Average Assets, quarterly
  • $200,220Volatile liabilities
  • $194,385Insider loans
  • $140,735FHLB advances
  • $207,222Loans and leases held for sale
  • $2,553Unused loan commitments
  • $2,553Tier 1 (core) risk-based capital
  • $20,297Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,552Restructured Loans and leases
  • $944Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,297Total interest income
  • $3,051Total interest expense
  • $6,246Net interest income
  • $1,052Provision for loan and lease losses
  • $1,182Total noninterest income
  • $0Fiduciary activities
  • $518Service charges on deposit accounts
  • $0Trading account gains & fees
  • $664Additional noninterest income
  • $5,619Total noninterest expense
  • $2,510Salaries and employee benefits
  • $509Premises and equipment expense
  • $2,600Additional noninterest expense
  • $757Pre-tax net operating income
  • -$107Securities gains (losses)
  • -$44Applicable income taxes
  • $694Income before extraordinary items
  • $0Extraordinary gains - net
  • $694Net income attributable to bank
  • $0Net charge-offs
  • $694Cash dividends
  • $399Sale, conversion, retirement of capital stock, net
  • $133Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.97%Yield on earning assets
  • 1.63%Cost of funding earning assets
  • 3.34%Net interest margin
  • 0.63%Noninterest income to earning assets
  • 3.01%Noninterest expense to earning assets
  • 0.40%Net operating income to assets
  • 0.35%Return on assets (ROA)
  • 0.32%Pretax return on assets
  • 3.39%Return on equity (ROE)
  • 2.74%Retained earnings to average equity (YTD only)
  • 0.29%Net charge-offs to loans
  • 263.66%Credit loss provision to net charge-offs
  • 4.53%Efficiency ratio
  • 75,646Assets per employee
  • 3.94%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 19.16%Loss allowance to loans
  • 3.00%Loss allowance to noncurrent loans
  • 77.60%Noncurrent assets plus other real estate owned to assets
  • 2.70%Noncurrent loans to loans
  • 3.87%Net loans and leases to deposits
  • 83.10%Net loans and leases to core deposits
  • 105.86%Equity capital to assets
  • 10.76%Core capital (leverage) ratio
  • 9.79%Tier 1 risk-based capital ratio
  • 14.42%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $200,220Average earning assets
  • $20,446Average equity
  • $186,875Average loans

Total Fiduciary and Related Assets (December 31, 2001)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $5,890Managed Assets
  • 1Number of Accounts
  • $5,890Personal trust and agency accounts
  • $5,590Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $44Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $256Non-managed Assets
  • 36Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 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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