Farmers and Merchants Bank in De Leon, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Farmers and Merchants Bank - Overview

  • General
  • FDIC Certificate #: 3170
    Status: Active
    Federal Reserve ID: 555256
    Bank Holding Company (Regulatory Top Holder): F & M Bancshares, Inc. (RSSDID: 2344641, Location: De Leon, TX)
    Date Established: January 01, 1905
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 2035
    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: Yes
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: December 02, 2008
    Last Structure Change Process Date: December 02, 2008
    Last Data Update: December 02, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 240 South Texas Street, De Leon, TX 76444
    County: Comanche
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Dallas
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $58.6 mil
    Equity capital: $7.4 mil
    Deposits held in domestic offices: $50.9 mil
    Return on assets (ROA): 0.54% ($0.3 mil)
    Quarterly return on assets: 0.63% ($0.4 mil)
    Return on Equity (ROE): 4.25% ($0.3 mil)
    Quarterly return on equity: 4.99% ($0.3 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.54% ($316.3 mil)
    Quarterly Pretax return on assets: 0.63% ($369.0 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
  • 23Total employees (full-time equivalent)
  • $58,574Total assets
  • $10,386Cash and due from depository institutions
  • $3,362Interest-bearing balances
  • $21,246Securities
  • $1,725Federal funds sold & reverse repurchase agreements
  • $20,612Net loans & leases
  • $295Loan loss allowance
  • $0Trading account assets
  • $2,556Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $58,574Life insurance assets
  • $2,049All other assets
  • $51,145Total liabilities and capital
  • $50,874Total liabilities
  • $37,788Total deposits
  • $50,874Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $271Subordinated debt
  • $7,429All other liabilities
  • $7,429Total equity capital
  • $7,429Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $2,500Surplus
  • $4,329Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3Income earned, not collected on loans
  • $0Earning assets
  • $239Long-term assets (5+ years)
  • $46,945Average Assets, year-to-date
  • $23,788Average Assets, quarterly
  • $57,852Volatile liabilities
  • $58,668Insider loans
  • $29,157FHLB advances
  • $58,088Loans and leases held for sale
  • $1,276Unused loan commitments
  • $1,276Tier 1 (core) risk-based capital
  • $7,076Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $839Restructured Loans and leases
  • $190Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,964Total interest income
  • $159Total interest expense
  • $1,805Net interest income
  • $0Provision for loan and lease losses
  • $567Total noninterest income
  • $0Fiduciary activities
  • $367Service charges on deposit accounts
  • $0Trading account gains & fees
  • $200Additional noninterest income
  • $2,058Total noninterest expense
  • $1,217Salaries and employee benefits
  • $382Premises and equipment expense
  • $459Additional noninterest expense
  • $314Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $314Income before extraordinary items
  • $0Extraordinary gains - net
  • $314Net income attributable to bank
  • $0Net charge-offs
  • $314Cash dividends
  • $19Sale, conversion, retirement of capital stock, net
  • $186Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.23%Yield on earning assets
  • 0.34%Cost of funding earning assets
  • 3.88%Net interest margin
  • 1.22%Noninterest income to earning assets
  • 4.43%Noninterest expense to earning assets
  • 0.54%Net operating income to assets
  • 0.54%Return on assets (ROA)
  • 0.54%Pretax return on assets
  • 4.25%Return on equity (ROE)
  • 1.73%Retained earnings to average equity (YTD only)
  • 0.10%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 16.53%Efficiency ratio
  • 86,762Assets per employee
  • 2.55%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 59.24%Loss allowance to loans
  • 1.41%Loss allowance to noncurrent loans
  • 9833.33%Noncurrent assets plus other real estate owned to assets
  • 0.01%Noncurrent loans to loans
  • 0.01%Net loans and leases to deposits
  • 40.52%Net loans and leases to core deposits
  • 41.40%Equity capital to assets
  • 12.68%Core capital (leverage) ratio
  • 12.18%Tier 1 risk-based capital ratio
  • 24.27%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $57,852Average earning assets
  • $7,380Average equity
  • $46,480Average loans

List of branches

  • 4 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02035Farmers And Merchants Bank240 South Texas Street, De Leon, TX 76444January 01, 1905Full Service Brick and Mortar
    1196123Detached Facility249 South Texas Street, De Leon, TX 76444September 10, 1976Limited Service Facility
    2356992Fmb Eastland Branch930 East Main Street, Eastland, TX 76448August 16, 1999Full Service Brick and Mortar
    3510234Farmers And Merchants Bank Branch118 Early Blvd, Early, TX 76802June 16, 2010Full Service Brick and Mortar

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