Farmers and Merchants Bank in Rudolph, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Farmers and Merchants Bank in Rudolph, Wisconsin (WI)
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Farmers and Merchants Bank - Overview

  • General
  • FDIC Certificate #: 2485
    Status: Active
    Federal Reserve ID: 1014844
    Bank Holding Company (Regulatory Top Holder): Rudolph Bancshares, Inc. (RSSDID: 2190446, Location: Rudolph, WI)
    Date Established: September 20, 1917
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 1633
    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: No
    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: 1680 Main Street, Rudolph, WI 54475
    County: Wood
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Appleton
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Core Based Statistical Area (CBSA): Marshfield-Wisconsin Rapids, WI (#32270)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $26.6 mil
    Equity capital: $2.8 mil
    Deposits held in domestic offices: $23.4 mil
    Return on assets (ROA): 0.80% ($0.2 mil)
    Quarterly return on assets: 0.62% ($0.2 mil)
    Return on Equity (ROE): 7.88% ($0.2 mil)
    Quarterly return on equity: 5.89% ($0.2 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 1.08% ($287.4 mil)
    Quarterly Pretax return on assets: 0.86% ($228.8 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
  • 9Total employees (full-time equivalent)
  • $26,609Total assets
  • $1,586Cash and due from depository institutions
  • $499Interest-bearing balances
  • $2,529Securities
  • $1,279Federal funds sold & reverse repurchase agreements
  • $19,832Net loans & leases
  • $318Loan loss allowance
  • $0Trading account assets
  • $181Bank premises and fixed assets
  • $131Other real estate owned
  • $0Goodwill and other intangibles
  • $26,609Life insurance assets
  • $1,071All other assets
  • $23,805Total liabilities and capital
  • $23,442Total liabilities
  • $19,844Total deposits
  • $23,442Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $363Subordinated debt
  • $2,804All other liabilities
  • $2,804Total equity capital
  • $2,804Total bank equity capital
  • $0Perpetual preferred stock
  • $131Common stock
  • $1,873Surplus
  • $800Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $419Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $117Income earned, not collected on loans
  • $0Earning assets
  • $102Long-term assets (5+ years)
  • $24,139Average Assets, year-to-date
  • $4,368Average Assets, quarterly
  • $26,530Volatile liabilities
  • $26,659Insider loans
  • $18,903FHLB advances
  • $26,629Loans and leases held for sale
  • $626Unused loan commitments
  • $626Tier 1 (core) risk-based capital
  • $2,887Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $937Restructured Loans and leases
  • $485Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,308Total interest income
  • $207Total interest expense
  • $1,101Net interest income
  • $44Provision for loan and lease losses
  • $90Total noninterest income
  • $0Fiduciary activities
  • $23Service charges on deposit accounts
  • $0Trading account gains & fees
  • $67Additional noninterest income
  • $860Total noninterest expense
  • $506Salaries and employee benefits
  • $139Premises and equipment expense
  • $215Additional noninterest expense
  • $287Pre-tax net operating income
  • $0Securities gains (losses)
  • $74Applicable income taxes
  • $213Income before extraordinary items
  • $0Extraordinary gains - net
  • $213Net income attributable to bank
  • $0Net charge-offs
  • $213Cash dividends
  • $41Sale, conversion, retirement of capital stock, net
  • $55Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.41%Yield on earning assets
  • 0.86%Cost of funding earning assets
  • 4.56%Net interest margin
  • 0.37%Noninterest income to earning assets
  • 3.56%Noninterest expense to earning assets
  • 0.80%Net operating income to assets
  • 0.80%Return on assets (ROA)
  • 1.08%Pretax return on assets
  • 7.88%Return on equity (ROE)
  • 5.84%Retained earnings to average equity (YTD only)
  • 0.20%Net charge-offs to loans
  • 107.32%Credit loss provision to net charge-offs
  • 8.07%Efficiency ratio
  • 72,208Assets per employee
  • 2.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 25.82%Loss allowance to loans
  • 1.58%Loss allowance to noncurrent loans
  • 271.79%Noncurrent assets plus other real estate owned to assets
  • 0.93%Noncurrent loans to loans
  • 0.58%Net loans and leases to deposits
  • 84.60%Net loans and leases to core deposits
  • 90.90%Equity capital to assets
  • 10.54%Core capital (leverage) ratio
  • 10.84%Tier 1 risk-based capital ratio
  • 15.27%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $26,530Average earning assets
  • $2,705Average equity
  • $24,166Average loans

List of branches

  • 2 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01633Farmers And Merchants Bank1680 Main Street, Rudolph, WI 54475September 20, 1917Full Service Brick and Mortar
    1192702Town & Country BranchState Highway 34 And County Trunk P, Rudolph Township, WI 54475October 06, 1975Full Service Brick and Mortar

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