Farmers and Merchants Bank in Reyno, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 01, 1996

Farmers and Merchants Bank in Reyno, Arkansas (AR)
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Farmers and Merchants Bank - Overview

General
FDIC Certificate #: 16359
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Union Planters Bank of Northeast Arkansas (#84)
Federal Reserve ID: 598749
Date Established: December 08, 1911
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Interstate: No)
FDIC's unique #: 10541
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 08, 1946
Last Structure Change Effective Date: Febuary 01, 1996
Last Structure Change Process Date: Febuary 21, 1996
Last Data Update: Febuary 21, 1996
Data Source Date: April 05, 2012
Location
Address: 108 West Main, Reyno, AR 72462
County: Randolph
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Little Rock
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Western
Financial Summary
Total assets: $18.6 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)
$11Total assets
$18,637Cash and due from depository institutions
$1,926Interest-bearing balances
$835Securities
$5,135Federal funds sold & reverse repurchase agreements
$455Net loans & leases
$10,191Loan loss allowance
$127Trading account assets
$0Bank premises and fixed assets
$635Other real estate owned
$0Goodwill and other intangibles
$266Life insurance assets
$29All other assets
$0Total liabilities and capital
$18,637Total liabilities
$17,255Total deposits
$17,141Interest-bearing deposits
$15,037Deposits held in domestic offices
17141.00%% insured (estimated)
$95Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$114Total equity capital
$114Total bank equity capital
$1,382Perpetual preferred stock
$500Common stock
$496Surplus
$808Undivided profits
Memoranda
$-422Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$121Earning assets
$16,616Long-term assets (5+ years)
$654Average Assets, year-to-date
$18,606Average Assets, quarterly
$18,881Volatile liabilities
$2,136Insider loans
$143FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$215Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$1,347Total risk weighted assets
$10,464Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1995)

Dollar figures in thousands
$0Total interest income
$1,311Total interest expense
$649Net interest income
$662Provision for loan and lease losses
$50Total noninterest income
$201Fiduciary activities
$0Service charges on deposit accounts
$153Trading account gains & fees
$0Additional noninterest income
$48Total noninterest expense
$753Salaries and employee benefits
$337Premises and equipment expense
$118Additional noninterest expense
$298Pre-tax net operating income
$60Securities gains (losses)
$0Applicable income taxes
$23Income before extraordinary items
$37Extraordinary gains - net
$0Net income attributable to bank
$37Net charge-offs
-$15Cash dividends
$52Sale, 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
7.85%Cost of funding earning assets
3.89%Net interest margin
3.96%Noninterest income to earning assets
1.20%Noninterest expense to earning assets
4.51%Net operating income to assets
0.20%Return on assets (ROA)
0.20%Pretax return on assets
0.32%Return on equity (ROE)
2.83%Retained earnings to average equity (YTD only)
-1.15%Net charge-offs to loans
-0.14%Credit loss provision to net charge-offs
-333.33%Efficiency ratio
87,022Assets per employee
1.69%Cash dividends to net income (YTD only)
Condition Ratios (%)
140.54%Loss allowance to loans
1.23%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
59.45%Net loans and leases to core deposits
67.92%Equity capital to assets
7.42%Core capital (leverage) ratio
7.17%Tier 1 risk-based capital ratio
12.87%Total risk-based capital ratio
Memoranda
$14Average assets
$18,606Average earning assets
$1,306Average equity
$16,705Average loans

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