The Farmers & Merchants Bank in Dyer, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Farmers & Merchants Bank - Overview

  • General
  • FDIC Certificate #: 1480
    Status: Active
    Federal Reserve ID: 70058
    Bank Holding Company (Regulatory Top Holder): Dyer F & M Bancshares, Inc. (RSSDID: 1119516, Location: Dyer, TN)
    Date Established: April 09, 1895
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 9136
    FDIC's unique #: 976
    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: July 15, 2010
    Last Structure Change Process Date: July 15, 2010
    Last Data Update: July 15, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 South Main Street, Dyer, TN 38330
    County: Gibson
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Memphis
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Combined Statistical Area (CSA): Jackson-Humboldt, TN (#297)
    Core Based Statistical Area (CBSA): Humboldt, TN (#26480)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $100.1 mil
    Equity capital: $10.3 mil
    Deposits held in domestic offices: $81.4 mil
    Return on assets (ROA): 1.06% ($1.1 mil)
    Quarterly return on assets: 1.08% ($1.1 mil)
    Return on Equity (ROE): 11.58% ($1.2 mil)
    Quarterly return on equity: 10.29% ($1.0 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.12% ($1,120.8 mil)
    Quarterly Pretax return on assets: 1.14% ($1,140.8 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
  • 39Total employees (full-time equivalent)
  • $100,071Total assets
  • $3,137Cash and due from depository institutions
  • $421Interest-bearing balances
  • $47,201Securities
  • $4,356Federal funds sold & reverse repurchase agreements
  • $38,527Net loans & leases
  • $229Loan loss allowance
  • $0Trading account assets
  • $1,589Bank premises and fixed assets
  • $75Other real estate owned
  • $642Goodwill and other intangibles
  • $100,071Life insurance assets
  • $4,544All other assets
  • $89,815Total liabilities and capital
  • $81,352Total liabilities
  • $74,870Total deposits
  • $81,352Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,520Trading liabilities
  • $0Other borrowed funds
  • $943Subordinated debt
  • $10,256All other liabilities
  • $10,256Total equity capital
  • $10,256Total bank equity capital
  • $0Perpetual preferred stock
  • $180Common stock
  • $2,691Surplus
  • $7,385Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $676Income earned, not collected on loans
  • $0Earning assets
  • $609Long-term assets (5+ years)
  • $90,505Average Assets, year-to-date
  • $57,311Average Assets, quarterly
  • $99,016Volatile liabilities
  • $99,643Insider loans
  • $73,344FHLB advances
  • $99,069Loans and leases held for sale
  • $1,914Unused loan commitments
  • $1,116Tier 1 (core) risk-based capital
  • $9,083Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $798Total unused commitments
  • $5,251Restructured Loans and leases
  • $2,450Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,186Total interest income
  • $1,080Total interest expense
  • $3,106Net interest income
  • $88Provision for loan and lease losses
  • $737Total noninterest income
  • $0Fiduciary activities
  • $399Service charges on deposit accounts
  • $0Trading account gains & fees
  • $338Additional noninterest income
  • $3,128Total noninterest expense
  • $1,669Salaries and employee benefits
  • $395Premises and equipment expense
  • $1,064Additional noninterest expense
  • $627Pre-tax net operating income
  • $486Securities gains (losses)
  • $68Applicable income taxes
  • $1,045Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,045Net income attributable to bank
  • $0Net charge-offs
  • $1,045Cash dividends
  • $126Sale, conversion, retirement of capital stock, net
  • $270Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.72%Yield on earning assets
  • 1.22%Cost of funding earning assets
  • 3.50%Net interest margin
  • 0.83%Noninterest income to earning assets
  • 3.53%Noninterest expense to earning assets
  • 0.59%Net operating income to assets
  • 1.06%Return on assets (ROA)
  • 1.12%Pretax return on assets
  • 11.58%Return on equity (ROE)
  • 8.59%Retained earnings to average equity (YTD only)
  • 0.32%Net charge-offs to loans
  • 69.84%Credit loss provision to net charge-offs
  • 5.67%Efficiency ratio
  • 80,380Assets per employee
  • 2.57%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 25.84%Loss allowance to loans
  • 0.59%Loss allowance to noncurrent loans
  • 33.88%Noncurrent assets plus other real estate owned to assets
  • 0.75%Noncurrent loans to loans
  • 1.74%Net loans and leases to deposits
  • 47.36%Net loans and leases to core deposits
  • 49.58%Equity capital to assets
  • 10.25%Core capital (leverage) ratio
  • 9.17%Tier 1 risk-based capital ratio
  • 12.38%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $99,016Average earning assets
  • $9,021Average equity
  • $88,673Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $462Managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 85Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $462Other retirement accounts
  • $462Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 5 Tennessee Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0976The Farmers & Merchants Bank101 South Main Street, Dyer, TN 38330April 09, 1895Full Service Brick and Mortar
    2189564Foodrite Branch705 South Main Street, Dyer, TN 38330May 20, 1993Limited Service Facility
    3360781College Street Branch667 N College, Trenton, TN 38382Febuary 01, 2001Full Service Brick and Mortar
    5192559Humboldt Branch316 North 22nd Avenue, Humboldt, TN 38343November 09, 1987Full Service Brick and Mortar
    6360777North Central Branch2535 North Central, Humboldt, TN 38343August 29, 2000Full Service Brick and Mortar

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