Farmers-Merchants Bank & Trust Company in Breaux Bridge, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Farmers-Merchants Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 9327
    Status: Active
    Federal Reserve ID: 653134
    Date Established: January 01, 1932
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 8 (Domestic: 8, Interstate: No)
    FDIC's unique #: 5981
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 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: 100 South Main Street, Breaux Bridge, LA 70517
    County: St. Martin
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Baton Rouge
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Lafayette, LA (#3880)
    Combined Statistical Area (CSA): Lafayette-Acadiana, LA (#318)
    Core Based Statistical Area (CBSA): Lafayette, LA (#29180)
    CBSA Metro Statistical Area: Lafayette, LA (#29180)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $246.0 mil
    Equity capital: $29.5 mil
    Deposits held in domestic offices: $214.6 mil
    Return on assets (ROA): 1.47% ($3.6 mil)
    Quarterly return on assets: 0.81% ($2.0 mil)
    Return on Equity (ROE): 12.43% ($3.6 mil)
    Quarterly return on equity: 6.73% ($2.0 mil)
    Net income: $3.5 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.47% ($3,616.1 mil)
    Quarterly Pretax return on assets: 0.81% ($1,992.5 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
  • 85Total employees (full-time equivalent)
  • $245,990Total assets
  • $19,131Cash and due from depository institutions
  • $11,710Interest-bearing balances
  • $32,801Securities
  • $11,875Federal funds sold & reverse repurchase agreements
  • $167,167Net loans & leases
  • $3,166Loan loss allowance
  • $0Trading account assets
  • $6,396Bank premises and fixed assets
  • $5,281Other real estate owned
  • $0Goodwill and other intangibles
  • $245,989Life insurance assets
  • $3,339All other assets
  • $216,501Total liabilities and capital
  • $214,614Total liabilities
  • $167,300Total deposits
  • $214,614Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $813Trading liabilities
  • $0Other borrowed funds
  • $1,074Subordinated debt
  • $29,488All other liabilities
  • $29,488Total equity capital
  • $29,488Total bank equity capital
  • $0Perpetual preferred stock
  • $2,009Common stock
  • $12,193Surplus
  • $15,286Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,118Income earned, not collected on loans
  • $0Earning assets
  • $920Long-term assets (5+ years)
  • $223,553Average Assets, year-to-date
  • $38,430Average Assets, quarterly
  • $240,467Volatile liabilities
  • $243,977Insider loans
  • $185,968FHLB advances
  • $244,755Loans and leases held for sale
  • $338Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $28,805Tier 2 risk-based capital
  • $338Total risk weighted assets
  • $0Total unused commitments
  • $15,575Restructured Loans and leases
  • $2,101Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,006Total interest income
  • $1,270Total interest expense
  • $11,736Net interest income
  • $1,525Provision for loan and lease losses
  • $1,947Total noninterest income
  • $0Fiduciary activities
  • $1,132Service charges on deposit accounts
  • $0Trading account gains & fees
  • $815Additional noninterest income
  • $8,622Total noninterest expense
  • $4,201Salaries and employee benefits
  • $1,116Premises and equipment expense
  • $3,305Additional noninterest expense
  • $3,536Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $3,536Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,536Net income attributable to bank
  • $0Net charge-offs
  • $3,536Cash dividends
  • $623Sale, conversion, retirement of capital stock, net
  • $1,902Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.94%Yield on earning assets
  • 0.58%Cost of funding earning assets
  • 5.36%Net interest margin
  • 0.89%Noninterest income to earning assets
  • 3.94%Noninterest expense to earning assets
  • 1.47%Net operating income to assets
  • 1.47%Return on assets (ROA)
  • 1.47%Pretax return on assets
  • 12.43%Return on equity (ROE)
  • 5.75%Retained earnings to average equity (YTD only)
  • 0.36%Net charge-offs to loans
  • 244.78%Credit loss provision to net charge-offs
  • 8.12%Efficiency ratio
  • 63,012Assets per employee
  • 2.89%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 53.79%Loss allowance to loans
  • 1.86%Loss allowance to noncurrent loans
  • 61.86%Noncurrent assets plus other real estate owned to assets
  • 4.23%Noncurrent loans to loans
  • 3.00%Net loans and leases to deposits
  • 77.89%Net loans and leases to core deposits
  • 82.03%Equity capital to assets
  • 11.99%Core capital (leverage) ratio
  • 11.77%Tier 1 risk-based capital ratio
  • 15.49%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $240,467Average earning assets
  • $28,439Average equity
  • $219,080Average 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
  • $165Managed Assets
  • 1Number of Accounts
  • $165Personal trust and agency accounts
  • $165Employee 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
  • 3Number 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

  • 8 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05981Farmers-Merchants Bank & Trust Compa100 South Main Street, Breaux Bridge, LA 70517January 01, 1932Full Service Brick and Mortar
    1219917Cecilia BranchSchool Street And State Highway 347, Cecilia, LA 70521June 20, 1966Full Service Brick and Mortar
    2219918Henderson BranchState Highway 352, Henderson, LA 70517July 29, 1968Full Service Brick and Mortar
    3219919Arnaudville BranchWilkins And Neblet Streets, Arnaudville, LA 70512March 30, 1970Full Service Brick and Mortar
    4219920Park Plaza BranchRees And Periou Streets, Breaux Bridge, LA 70517Febuary 07, 1976Full Service Brick and Mortar
    5433915Mobile Branch100 South Main Street, Breaux Bridge, LA 70517September 21, 2004Limited Service Mobile
    6465740Wal-Mart Branch1932 Rees Street, Breaux Bridge, LA 70517July 18, 2007Full Service Brick and Mortar
    7483209Lafayette Branch1525 Ambassador Caffery Parkway, Lafayette, LA 70506December 17, 2008Full Service Brick and Mortar

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