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


  • Farmers & Merchants Bank, of Orfordville in Orfordville, Wisconsin (WI)
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Farmers & Merchants Bank, of Orfordville - Overview

  • General
  • FDIC Certificate #: 15173
    Status: Active
    Federal Reserve ID: 41245
    Date Established: Febuary 25, 1901
    WWW: http://www.orfordbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 9538
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: July 01, 1935
    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: 303 Spring Street, Orfordville, WI 53576
    County: Rock
    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
    Metropolitan Statistical Area (MSA): Janesville-Beloit, WI (#3620)
    Core Based Statistical Area (CBSA): Janesville, WI (#27500)
    CBSA Metro Statistical Area: Janesville, WI (#27500)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $42.3 mil
    Equity capital: $4.5 mil
    Deposits held in domestic offices: $37.2 mil
    Return on assets (ROA): 0.98% ($0.4 mil)
    Quarterly return on assets: 1.04% ($0.4 mil)
    Return on Equity (ROE): 9.70% ($0.4 mil)
    Quarterly return on equity: 10.12% ($0.4 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.37% ($579.9 mil)
    Quarterly Pretax return on assets: 1.47% ($622.3 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
  • 10Total employees (full-time equivalent)
  • $42,332Total assets
  • $4,065Cash and due from depository institutions
  • $3,060Interest-bearing balances
  • $11,302Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $25,347Net loans & leases
  • $573Loan loss allowance
  • $0Trading account assets
  • $200Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $42,332Life insurance assets
  • $1,418All other assets
  • $37,881Total liabilities and capital
  • $37,192Total liabilities
  • $31,102Total deposits
  • $37,192Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 437.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $252Subordinated debt
  • $4,451All other liabilities
  • $4,451Total equity capital
  • $4,451Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $1,200Surplus
  • $3,101Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $619Income earned, not collected on loans
  • $0Earning assets
  • $190Long-term assets (5+ years)
  • $39,709Average Assets, year-to-date
  • $1,862Average Assets, quarterly
  • $41,345Volatile liabilities
  • $42,580Insider loans
  • $23,988FHLB advances
  • $42,372Loans and leases held for sale
  • $853Unused loan commitments
  • $853Tier 1 (core) risk-based capital
  • $4,363Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,336Restructured Loans and leases
  • $678Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,790Total interest income
  • $372Total interest expense
  • $1,418Net interest income
  • $50Provision for loan and lease losses
  • $178Total noninterest income
  • $0Fiduciary activities
  • $109Service charges on deposit accounts
  • $0Trading account gains & fees
  • $69Additional noninterest income
  • $983Total noninterest expense
  • $534Salaries and employee benefits
  • $54Premises and equipment expense
  • $395Additional noninterest expense
  • $563Pre-tax net operating income
  • $2Securities gains (losses)
  • $158Applicable income taxes
  • $407Income before extraordinary items
  • $0Extraordinary gains - net
  • $407Net income attributable to bank
  • $0Net charge-offs
  • $407Cash dividends
  • $18Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.61%Yield on earning assets
  • 0.96%Cost of funding earning assets
  • 3.65%Net interest margin
  • 0.46%Noninterest income to earning assets
  • 2.53%Noninterest expense to earning assets
  • 0.98%Net operating income to assets
  • 0.98%Return on assets (ROA)
  • 1.37%Pretax return on assets
  • 9.70%Return on equity (ROE)
  • 9.70%Retained earnings to average equity (YTD only)
  • 0.07%Net charge-offs to loans
  • 277.78%Credit loss provision to net charge-offs
  • 34.06%Efficiency ratio
  • 61,591Assets per employee
  • 4.23%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.21%Loss allowance to noncurrent loans
  • 92.57%Noncurrent assets plus other real estate owned to assets
  • 1.46%Noncurrent loans to loans
  • 2.39%Net loans and leases to deposits
  • 68.15%Net loans and leases to core deposits
  • 69.56%Equity capital to assets
  • 10.51%Core capital (leverage) ratio
  • 10.30%Tier 1 risk-based capital ratio
  • 18.19%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $41,345Average earning assets
  • $4,194Average equity
  • $38,868Average loans

List of branches

  • 1 Wisconsin Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09538Farmers & Merchants Bank, Of Orfordville303 Spring Street, Orfordville, WI 53576Febuary 25, 1901Full Service Brick and Mortar

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