Farmers & Merchants Bank & Trust in Marinette, Wisconsin (WI)

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Farmers & Merchants Bank & Trust routing number info

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Farmers & Merchants Bank & Trust
GeneralFDIC Certificate #: 10382
Status: Active
Federal Reserve ID: 672247
Bank Holding Company (Regulatory Top Holder): F & M Bankshares, Inc. (RSSDID: 1204300, Location: Marinette, WI)
Date Established: December 02, 1902
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 6653
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 02, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
LocationAddress: 1644 Ludington Street, Marinette, WI 54143
County: Marinette
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Appleton
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Core Based Statistical Area (CBSA): Marinette, WI-MI (#31940)
CBSA Micro Statistical Area: Yes
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $157.3 mil
Equity capital: $15.0 mil
Deposits held in domestic offices: $141.5 mil
Return on assets (ROA): 0.09% ($0.1 mil)
Quarterly return on assets: -0.06% (-$0.1 mil)
Return on Equity (ROE): 0.96% ($0.1 mil)
Quarterly return on equity: -0.61% (-$0.1 mil)
Net income: $0.1 mil
Quarterly Net income: -$0.0 mil
Pretax return on assets: -0.03% (-$47.2 mil)
Quarterly Pretax return on assets: -0.25% (-$393.3 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)
Total employees (full-time equivalent)42
Total assets$157,334
Cash and due from depository institutions$9,584
Interest-bearing balances$1,020
Federal funds sold & reverse repurchase agreements$10,166
Net loans & leases$88,177
Loan loss allowance $1,242
Trading account assets$0
Bank premises and fixed assets$2,280
Other real estate owned$10
Goodwill and other intangibles$0
All other assets$1,928
Life insurance assets$157,334
Total liabilities and capital$142,360
Total liabilities$141,519
Total deposits$126,506
Interest-bearing deposits$141,519
Deposits held in domestic offices$92
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $841
All other liabilities $14,974
Total equity capital$14,974
Total bank equity capital$14,974
Perpetual preferred stock$0
Common stock$1,125
Undivided profits $9,419
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $3,838
Earning assets $590
Long-term assets (5+ years) $627
Average Assets, year-to-date $144,552
Average Assets, quarterly $12,008
Volatile liabilities $154,634
Insider loans $154,857
FHLB advances $102,722
Loans and leases held for sale $153,760
Unused loan commitments $262
Tier 1 (core) risk-based capital $262
Tier 2 risk-based capital $14,295
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $7,751
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $6,925
Total interest expense $1,982
Net interest income $4,943
Provision for loan and lease losses $1,292
Total noninterest income $682
Fiduciary activities $52
Service charges on deposit accounts $270
Trading account gains & fees $0
Additional noninterest income $360
Total noninterest expense $4,614
Salaries and employee benefits $2,397
Premises and equipment expense $465
Additional noninterest expense $1,752
Pre-tax net operating income -$281
Securities gains (losses) $238
Applicable income taxes -$187
Income before extraordinary items $144
Extraordinary gains - net $0
Net income attributable to bank $144
Net charge-offs $0
Cash dividends $144
Sale, conversion, retirement of capital stock, net $1,653
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.82%
Cost of funding earning assets 1.38%
Net interest margin 3.44%
Noninterest income to earning assets 0.47%
Noninterest expense to earning assets 3.21%
Net operating income to assets -0.01%
Return on assets (ROA) 0.09%
Pretax return on assets -0.03%
Return on equity (ROE) 0.96%
Retained earnings to average equity (YTD only) 0.96%
Net charge-offs to loans 1.83%
Credit loss provision to net charge-offs 78.16%
Efficiency ratio0.61%
Assets per employee$82,027
Cash dividends to net income (YTD only)3.75%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.39%
Noncurrent assets plus other real estate owned to assets 32.36%
Noncurrent loans to loans 2.45%
Net loans and leases to deposits4.29%
Net loans and leases to core deposits 62.31%
Equity capital to assets 66.01%
Core capital (leverage) ratio 9.52%
Tier 1 risk-based capital ratio 9.30%
Total risk-based capital ratio 13.92%
Average assets$15
Average earning assets$154,634
Average equity $15,050
Average loans $143,618
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Total Fiduciary and Related Assets (December 31, 2011)
(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$7,807
Number of Accounts1
Personal trust and agency accounts$5,924
Employee benefit-defined contribution accounts$5,924
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts34
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$1,883
Corporate trust and agency accounts$983
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
06653Farmers & Merchants Bank & Trust1644 Ludington Street, Marinette, WI 54143December 02, 1902Full Service Brick and Mortar
116567Pine Tree Mall Branch2811 Roosevelt Road, Marinette, WI 54143Febuary 16, 1982Full Service Brick and Mortar
2441090Crivitz Branch114 South Highway 141, Crivitz, WI 54114June 20, 2005Full Service Brick and Mortar
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