The Farmers and Merchants Bank in Caldwell, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Farmers and Merchants Bank - Overview

  • General
  • FDIC Certificate #: 10280
    Status: Active
    Federal Reserve ID: 760210
    Bank Holding Company (Regulatory Top Holder): Farmmerc, Inc. (RSSDID: 1249909, Location: Caldwell, OH)
    Date Established: January 20, 1912
    WWW: http://www.farmersmerchants-bank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 6590
    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: All Other Specialization < 1 Billion
    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: 430 North Street, Caldwell, OH 43724
    County: Noble
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Columbus
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $83.4 mil
    Equity capital: $9.8 mil
    Deposits held in domestic offices: $73.0 mil
    Return on assets (ROA): 1.15% ($1.0 mil)
    Quarterly return on assets: 1.06% ($0.9 mil)
    Return on Equity (ROE): 9.70% ($1.0 mil)
    Quarterly return on equity: 8.84% ($0.9 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.62% ($1,350.4 mil)
    Quarterly Pretax return on assets: 1.50% ($1,250.3 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
  • 28Total employees (full-time equivalent)
  • $83,356Total assets
  • $7,315Cash and due from depository institutions
  • $5,100Interest-bearing balances
  • $12,857Securities
  • $769Federal funds sold & reverse repurchase agreements
  • $60,933Net loans & leases
  • $1,012Loan loss allowance
  • $0Trading account assets
  • $392Bank premises and fixed assets
  • $256Other real estate owned
  • $0Goodwill and other intangibles
  • $83,356Life insurance assets
  • $834All other assets
  • $73,600Total liabilities and capital
  • $72,991Total liabilities
  • $59,754Total deposits
  • $72,991Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $609Subordinated debt
  • $9,756All other liabilities
  • $9,756Total equity capital
  • $9,756Total bank equity capital
  • $0Perpetual preferred stock
  • $1,220Common stock
  • $1,305Surplus
  • $7,231Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,247Income earned, not collected on loans
  • $0Earning assets
  • $283Long-term assets (5+ years)
  • $79,659Average Assets, year-to-date
  • $51,277Average Assets, quarterly
  • $79,091Volatile liabilities
  • $81,173Insider loans
  • $52,610FHLB advances
  • $81,375Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,401Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,228Restructured Loans and leases
  • $459Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,795Total interest income
  • $775Total interest expense
  • $4,020Net interest income
  • $458Provision for loan and lease losses
  • $231Total noninterest income
  • $0Fiduciary activities
  • $122Service charges on deposit accounts
  • $0Trading account gains & fees
  • $109Additional noninterest income
  • $2,515Total noninterest expense
  • $1,473Salaries and employee benefits
  • $326Premises and equipment expense
  • $716Additional noninterest expense
  • $1,278Pre-tax net operating income
  • $0Securities gains (losses)
  • $368Applicable income taxes
  • $910Income before extraordinary items
  • $0Extraordinary gains - net
  • $910Net income attributable to bank
  • $0Net charge-offs
  • $910Cash dividends
  • $154Sale, conversion, retirement of capital stock, net
  • $338Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.36%Yield on earning assets
  • 1.03%Cost of funding earning assets
  • 5.33%Net interest margin
  • 0.31%Noninterest income to earning assets
  • 3.34%Noninterest expense to earning assets
  • 1.15%Net operating income to assets
  • 1.15%Return on assets (ROA)
  • 1.62%Pretax return on assets
  • 9.70%Return on equity (ROE)
  • 6.10%Retained earnings to average equity (YTD only)
  • 0.25%Net charge-offs to loans
  • 297.40%Credit loss provision to net charge-offs
  • 11.27%Efficiency ratio
  • 59,163Assets per employee
  • 2.98%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 37.14%Loss allowance to loans
  • 1.63%Loss allowance to noncurrent loans
  • 45.04%Noncurrent assets plus other real estate owned to assets
  • 3.00%Noncurrent loans to loans
  • 3.63%Net loans and leases to deposits
  • 83.48%Net loans and leases to core deposits
  • 90.55%Equity capital to assets
  • 11.70%Core capital (leverage) ratio
  • 11.55%Tier 1 risk-based capital ratio
  • 17.87%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $79,091Average earning assets
  • $9,382Average equity
  • $75,391Average loans

List of branches

  • 1 Ohio Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06590The Farmers And Merchants Bank430 North Street, Caldwell, OH 43724January 20, 1912Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:

CAPTCHA

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with The Farmers and Merchants Bank.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents