Farmers and Merchants Bank of Ashland in Ashland, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Farmers and Merchants Bank of Ashland in Ashland, Nebraska (NE)
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Farmers and Merchants Bank of Ashland - Overview

  • General
  • FDIC Certificate #: 5377
    Status: Active
    Federal Reserve ID: 398051
    Bank Holding Company (Regulatory Top Holder): Farmers And Merchants Financial Corporation (RSSDID: 3446748, Location: Ashland, NE)
    Date Established: November 15, 1883
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 12966
    FDIC's unique #: 3627
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: December 15, 2009
    Last Structure Change Process Date: December 16, 2009
    Last Data Update: December 16, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 1501 Silver Street, Ashland, NE 68003
    County: Saunders
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Omaha
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Combined Statistical Area (CSA): Omaha-Council Bluffs-Fremont, NE-IA (#420)
    Core Based Statistical Area (CBSA): Omaha-Council Bluffs, NE-IA (#36540)
    CBSA Metro Statistical Area: Omaha-Council Bluffs, NE-IA (#36540)
  • History of Changes
  • Name Change
    Change in Primary Regulatory Agency
    Change in Supervisory Agency
  • Financial Summary
  • Total assets: $62.0 mil
    Equity capital: $7.2 mil
    Deposits held in domestic offices: $48.2 mil
    Return on assets (ROA): 0.83% ($0.5 mil)
    Quarterly return on assets: 0.43% ($0.3 mil)
    Return on Equity (ROE): 7.45% ($0.5 mil)
    Quarterly return on equity: 3.69% ($0.3 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.16% ($719.3 mil)
    Quarterly Pretax return on assets: 0.59% ($365.8 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
  • 18Total employees (full-time equivalent)
  • $62,005Total assets
  • $3,233Cash and due from depository institutions
  • $115Interest-bearing balances
  • $6,712Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $47,320Net loans & leases
  • $531Loan loss allowance
  • $0Trading account assets
  • $839Bank premises and fixed assets
  • $107Other real estate owned
  • $0Goodwill and other intangibles
  • $62,005Life insurance assets
  • $3,794All other assets
  • $54,816Total liabilities and capital
  • $48,227Total liabilities
  • $35,093Total deposits
  • $48,227Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 45.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,011Trading liabilities
  • $0Other borrowed funds
  • $533Subordinated debt
  • $7,189All other liabilities
  • $7,189Total equity capital
  • $7,189Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $700Surplus
  • $6,389Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $156Income earned, not collected on loans
  • $0Earning assets
  • $588Long-term assets (5+ years)
  • $54,147Average Assets, year-to-date
  • $13,028Average Assets, quarterly
  • $63,289Volatile liabilities
  • $62,070Insider loans
  • $50,007FHLB advances
  • $62,652Loans and leases held for sale
  • $1,167Unused loan commitments
  • $1,167Tier 1 (core) risk-based capital
  • $7,116Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,620Restructured Loans and leases
  • $247Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,035Total interest income
  • $467Total interest expense
  • $2,568Net interest income
  • $25Provision for loan and lease losses
  • $346Total noninterest income
  • $0Fiduciary activities
  • $207Service charges on deposit accounts
  • $0Trading account gains & fees
  • $139Additional noninterest income
  • $2,159Total noninterest expense
  • $1,148Salaries and employee benefits
  • $247Premises and equipment expense
  • $764Additional noninterest expense
  • $730Pre-tax net operating income
  • $3Securities gains (losses)
  • $210Applicable income taxes
  • $523Income before extraordinary items
  • $0Extraordinary gains - net
  • $523Net income attributable to bank
  • $0Net charge-offs
  • $523Cash dividends
  • $134Sale, conversion, retirement of capital stock, net
  • $232Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.39%Yield on earning assets
  • 0.83%Cost of funding earning assets
  • 4.56%Net interest margin
  • 0.61%Noninterest income to earning assets
  • 3.83%Noninterest expense to earning assets
  • 0.82%Net operating income to assets
  • 0.83%Return on assets (ROA)
  • 1.16%Pretax return on assets
  • 7.45%Return on equity (ROE)
  • 4.15%Retained earnings to average equity (YTD only)
  • 0.29%Net charge-offs to loans
  • 18.66%Credit loss provision to net charge-offs
  • 5.63%Efficiency ratio
  • 74,091Assets per employee
  • 3.44%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 44.36%Loss allowance to loans
  • 1.11%Loss allowance to noncurrent loans
  • 340.38%Noncurrent assets plus other real estate owned to assets
  • 0.42%Noncurrent loans to loans
  • 0.33%Net loans and leases to deposits
  • 98.12%Net loans and leases to core deposits
  • 100.94%Equity capital to assets
  • 11.59%Core capital (leverage) ratio
  • 11.36%Tier 1 risk-based capital ratio
  • 14.23%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $63,289Average earning assets
  • $7,016Average equity
  • $56,359Average loans

List of branches

  • 4 Nebraska Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03627Farmers And Merchants Bank Of Ashlan1501 Silver Street, Ashland, NE 68003November 15, 1883Full Service Brick and Mortar
    1207636Ashland Drive-Up Facility1533 Silver Street, Ashland, NE 68003December 24, 1987Limited Service Facility
    2430784Highway 6 Branch504 Highway 6, Ashland, NE 68003June 17, 2004Full Service Brick and Mortar Branch1501 Silver Street, Ashland, NE 68003April 05, 2005Full Service Cyber

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