Farmers & Merchants Bank of Rochester, Indiana in Rochester, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 01, 1996

Farmers & Merchants Bank of Rochester, Indiana in Rochester, Indiana (IN)
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Farmers & Merchants Bank of Rochester, Indiana - Overview

General
FDIC Certificate #: 14955
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Indiana Lawrence Bank (#13118)
Federal Reserve ID: 955847
Date Established: January 01, 1934
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Interstate: No)
FDIC's unique #: 9368
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: January 03, 1935
Last Structure Change Effective Date: April 01, 1996
Last Structure Change Process Date: June 03, 1996
Last Data Update: June 03, 1996
Data Source Date: April 05, 2012
Location
Address: 729 Main Street, Rochester, IN 46975
County: Fulton
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Indianapolis
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Financial Summary
Total assets: $61.7 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

Dollar figures in thousands
0Total employees (full-time equivalent)
$28Total assets
$62,848Cash and due from depository institutions
$2,696Interest-bearing balances
$0Securities
$13,440Federal funds sold & reverse repurchase agreements
$15,000Net loans & leases
$30,031Loan loss allowance
$730Trading account assets
$0Bank premises and fixed assets
$831Other real estate owned
$0Goodwill and other intangibles
$850Life insurance assets
$0All other assets
$0Total liabilities and capital
$62,848Total liabilities
$55,061Total deposits
$54,715Interest-bearing deposits
$46,835Deposits held in domestic offices
54715.00%% insured (estimated)
$89Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$346Total equity capital
$346Total bank equity capital
$7,787Perpetual preferred stock
$0Common stock
$600Surplus
$1,200Undivided profits
Memoranda
$5,987Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$808Income earned, not collected on loans
$419Earning assets
$58,471Long-term assets (5+ years)
$21,195Average Assets, year-to-date
$61,469Average Assets, quarterly
$61,374Volatile liabilities
$876Insider loans
$67FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$2,310Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$7,787Total risk weighted assets
$32,788Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1995)

Dollar figures in thousands
$0Total interest income
$4,533Total interest expense
$1,849Net interest income
$2,684Provision for loan and lease losses
$240Total noninterest income
$262Fiduciary activities
$0Service charges on deposit accounts
$199Trading account gains & fees
$0Additional noninterest income
$63Total noninterest expense
$1,807Salaries and employee benefits
$1,054Premises and equipment expense
$251Additional noninterest expense
$502Pre-tax net operating income
$899Securities gains (losses)
-$92Applicable income taxes
$208Income before extraordinary items
$599Extraordinary gains - net
$0Net income attributable to bank
$599Net charge-offs
$88Cash dividends
$304Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1995)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.97%Cost of funding earning assets
3.25%Net interest margin
4.72%Noninterest income to earning assets
0.46%Noninterest expense to earning assets
3.18%Net operating income to assets
1.09%Return on assets (ROA)
0.97%Pretax return on assets
1.31%Return on equity (ROE)
7.96%Retained earnings to average equity (YTD only)
3.92%Net charge-offs to loans
0.28%Credit loss provision to net charge-offs
272.73%Efficiency ratio
61,337Assets per employee
2.24%Cash dividends to net income (YTD only)
Condition Ratios (%)
50.75%Loss allowance to loans
2.37%Loss allowance to noncurrent loans
90.35%Noncurrent assets plus other real estate owned to assets
1.29%Noncurrent loans to loans
2.63%Net loans and leases to deposits
54.89%Net loans and leases to core deposits
55.78%Equity capital to assets
12.39%Core capital (leverage) ratio
12.49%Tier 1 risk-based capital ratio
23.75%Total risk-based capital ratio
Memoranda
$25Average assets
$61,469Average earning assets
$7,526Average equity
$56,888Average loans

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