Farmers and Merchants Bank in De Leon, Texas (TX)

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Farmers and Merchants Bank
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Location
Financial SummaryTotal 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)
Total employees (full-time equivalent)23
Total assets$58,574
Cash and due from depository institutions$10,386
Interest-bearing balances$3,362
Federal funds sold & reverse repurchase agreements$1,725
Net loans & leases$20,612
Loan loss allowance $295
Trading account assets$0
Bank premises and fixed assets$2,556
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$2,049
Life insurance assets$58,574
Total liabilities and capital$51,145
Total liabilities$50,874
Total deposits$37,788
Interest-bearing deposits$50,874
Deposits held in domestic offices$93
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $271
All other liabilities $7,429
Total equity capital$7,429
Total bank equity capital$7,429
Perpetual preferred stock$0
Common stock$600
Undivided profits $4,329
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $3
Earning assets $0
Long-term assets (5+ years) $239
Average Assets, year-to-date $46,945
Average Assets, quarterly $23,788
Volatile liabilities $57,852
Insider loans $58,668
FHLB advances $29,157
Loans and leases held for sale $58,088
Unused loan commitments $1,276
Tier 1 (core) risk-based capital $1,276
Tier 2 risk-based capital $7,076
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $839
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,964
Total interest expense $159
Net interest income $1,805
Provision for loan and lease losses $0
Total noninterest income $567
Fiduciary activities $0
Service charges on deposit accounts $367
Trading account gains & fees $0
Additional noninterest income $200
Total noninterest expense $2,058
Salaries and employee benefits $1,217
Premises and equipment expense $382
Additional noninterest expense $459
Pre-tax net operating income $314
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $314
Extraordinary gains - net $0
Net income attributable to bank $314
Net charge-offs $0
Cash dividends $314
Sale, conversion, retirement of capital stock, net $19
Net operating income $186
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.23%
Cost of funding earning assets 0.34%
Net interest margin 3.88%
Noninterest income to earning assets 1.22%
Noninterest expense to earning assets 4.43%
Net operating income to assets 0.54%
Return on assets (ROA) 0.54%
Pretax return on assets 0.54%
Return on equity (ROE) 4.25%
Retained earnings to average equity (YTD only) 1.73%
Net charge-offs to loans 0.10%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio16.53%
Assets per employee$86,762
Cash dividends to net income (YTD only)2.55%
Condition Ratios (%)
Loss allowance to loans 59.24%
Loss allowance to noncurrent loans 1.41%
Noncurrent assets plus other real estate owned to assets 9833.33%
Noncurrent loans to loans 0.01%
Net loans and leases to deposits0.01%
Net loans and leases to core deposits 40.52%
Equity capital to assets 41.40%
Core capital (leverage) ratio 12.68%
Tier 1 risk-based capital ratio 12.18%
Total risk-based capital ratio 24.27%
Average assets$25
Average earning assets$57,852
Average equity $7,380
Average loans $46,480
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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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