Farmers & Merchants Bank and Trust Company - Overview
General
FDIC Certificate #: 1939 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:F&M Bank and Trust Company (#30595) Federal Reserve ID: 724052 Date Established: December 28, 1870 WWW:http://www.bankfm.com Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 3 (Interstate: No) OTS Docket #: 10228 FDIC's unique #: 1303 Numeric code: 13 Regulator: FED Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: September 15, 2006 Last Structure Change Process Date: October 19, 2006 Last Data Update: October 19, 2006 Data Source Date: April 05, 2012
Location
Address: 505 Broadway, Hannibal, MO 63401 County: Marion Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: St. Louis Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West Core Based Statistical Area (CBSA): Hannibal, MO (#25300) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $88.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2005)
Dollar figures in thousands
41Total employees (full-time equivalent)
$89,347Total assets
$3,134Cash and due from depository institutions
$9Interest-bearing balances
$13,261Securities
$2,437Federal funds sold & reverse repurchase agreements
$66,934Net loans & leases
$817Loan loss allowance
$0Trading account assets
$1,202Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$2,379All other assets
$89,347Total liabilities and capital
$80,380Total liabilities
$72,026Total deposits
$60,871Interest-bearing deposits
$72,026Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$8,082Other borrowed funds
$0Subordinated debt
$272All other liabilities
$8,967Total equity capital
$8,967Total bank equity capital
$8,967Perpetual preferred stock
$0Common stock
$960Surplus
$840Undivided profits
Memoranda
$7,167Noncurrent loans and leases
$10,192Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$2,309Earning assets
$0Long-term assets (5+ years)
$423Average Assets, year-to-date
$82,641Average Assets, quarterly
$4,567Volatile liabilities
$87,714Insider loans
$88,340FHLB advances
$6,136Loans and leases held for sale
$2,380Unused loan commitments
$8,082Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$10,192Total unused commitments
$0Restructured Loans and leases
$800Derivatives
Income and Expense (December 31, 2005)
Dollar figures in thousands
$4,453Total interest income
$1,420Total interest expense
$3,033Net interest income
$25Provision for loan and lease losses
$1,174Total noninterest income
$131Fiduciary activities
$278Service charges on deposit accounts
$0Trading account gains & fees
$765Additional noninterest income
$3,705Total noninterest expense
$1,873Salaries and employee benefits
$588Premises and equipment expense
$1,244Additional noninterest expense
$477Pre-tax net operating income
$0Securities gains (losses)
$148Applicable income taxes
$329Income before extraordinary items
$0Extraordinary gains - net
$329Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$16Sale, conversion, retirement of capital stock, net
$187Net operating income
Performance and Condition Ratios (December 31, 2005)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.44%Yield on earning assets
1.74%Cost of funding earning assets
3.71%Net interest margin
1.43%Noninterest income to earning assets
4.53%Noninterest expense to earning assets
0.38%Net operating income to assets
0.38%Return on assets (ROA)
0.54%Pretax return on assets
3.70%Return on equity (ROE)
1.60%Retained earnings to average equity (YTD only)
0.02%Net charge-offs to loans
156.25%Credit loss provision to net charge-offs
31.38%Efficiency ratio
88,068Assets per employee
2.18%Cash dividends to net income (YTD only)
Condition Ratios (%)
56.84%Loss allowance to loans
1.21%Loss allowance to noncurrent loans
35.38%Noncurrent assets plus other real estate owned to assets
2.58%Noncurrent loans to loans
3.41%Net loans and leases to deposits
92.93%Net loans and leases to core deposits
97.37%Equity capital to assets
10.04%Core capital (leverage) ratio
10.48%Tier 1 risk-based capital ratio
14.13%Total risk-based capital ratio
Memoranda
$15Average assets
$87,714Average earning assets
$8,902Average equity
$81,814Average loans
Total Fiduciary and Related Assets (December 31, 2005)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
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