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


Farmers & Merchants Bank & Trust - Overview

  • General
  • FDIC 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
    WWW: http://www.fmmarinette.com
    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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 42Total employees (full-time equivalent)
  • $157,334Total assets
  • $9,584Cash and due from depository institutions
  • $1,020Interest-bearing balances
  • $45,189Securities
  • $10,166Federal funds sold & reverse repurchase agreements
  • $88,177Net loans & leases
  • $1,242Loan loss allowance
  • $0Trading account assets
  • $2,280Bank premises and fixed assets
  • $10Other real estate owned
  • $0Goodwill and other intangibles
  • $157,334Life insurance assets
  • $1,928All other assets
  • $142,360Total liabilities and capital
  • $141,519Total liabilities
  • $126,506Total deposits
  • $141,519Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $841Subordinated debt
  • $14,974All other liabilities
  • $14,974Total equity capital
  • $14,974Total bank equity capital
  • $0Perpetual preferred stock
  • $1,125Common stock
  • $4,430Surplus
  • $9,419Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,838Income earned, not collected on loans
  • $590Earning assets
  • $627Long-term assets (5+ years)
  • $144,552Average Assets, year-to-date
  • $12,008Average Assets, quarterly
  • $154,634Volatile liabilities
  • $154,857Insider loans
  • $102,722FHLB advances
  • $153,760Loans and leases held for sale
  • $262Unused loan commitments
  • $262Tier 1 (core) risk-based capital
  • $14,295Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,751Restructured Loans and leases
  • $677Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,925Total interest income
  • $1,982Total interest expense
  • $4,943Net interest income
  • $1,292Provision for loan and lease losses
  • $682Total noninterest income
  • $52Fiduciary activities
  • $270Service charges on deposit accounts
  • $0Trading account gains & fees
  • $360Additional noninterest income
  • $4,614Total noninterest expense
  • $2,397Salaries and employee benefits
  • $465Premises and equipment expense
  • $1,752Additional noninterest expense
  • -$281Pre-tax net operating income
  • $238Securities gains (losses)
  • -$187Applicable income taxes
  • $144Income before extraordinary items
  • $0Extraordinary gains - net
  • $144Net income attributable to bank
  • $0Net charge-offs
  • $144Cash dividends
  • $1,653Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.82%Yield on earning assets
  • 1.38%Cost of funding earning assets
  • 3.44%Net interest margin
  • 0.47%Noninterest income to earning assets
  • 3.21%Noninterest expense to earning assets
  • -0.01%Net operating income to assets
  • 0.09%Return on assets (ROA)
  • -0.03%Pretax return on assets
  • 0.96%Return on equity (ROE)
  • 0.96%Retained earnings to average equity (YTD only)
  • 1.83%Net charge-offs to loans
  • 78.16%Credit loss provision to net charge-offs
  • 0.61%Efficiency ratio
  • 82,027Assets per employee
  • 3.75%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.39%Loss allowance to noncurrent loans
  • 32.36%Noncurrent assets plus other real estate owned to assets
  • 2.45%Noncurrent loans to loans
  • 4.29%Net loans and leases to deposits
  • 62.31%Net loans and leases to core deposits
  • 66.01%Equity capital to assets
  • 9.52%Core capital (leverage) ratio
  • 9.30%Tier 1 risk-based capital ratio
  • 13.92%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $154,634Average earning assets
  • $15,050Average equity
  • $143,618Average 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
  • $7,807Managed Assets
  • 1Number of Accounts
  • $5,924Personal trust and agency accounts
  • $5,924Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 34Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1,883Other retirement accounts
  • $983Corporate 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
    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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