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

The Farmers and Merchants Bank - Overview

  • General
  • FDIC Certificate #: 9462
    Status: Active
    Federal Reserve ID: 176325
    Bank Holding Company (Regulatory Top Holder): F&M Bancorp (RSSDID: 1071155, Location: Miamisburg, OH)
    Date Established: November 23, 1923
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 6080
    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: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: January 04, 2012
    Last Structure Change Process Date: January 04, 2012
    Last Data Update: January 04, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 41 South First Street, Miamisburg, OH 45342
    County: Montgomery
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Cincinnati
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Dayton-Springfield, OH (#2000)
    Combined Statistical Area (CSA): Dayton-Springfield-Greenville, OH (#212)
    Core Based Statistical Area (CBSA): Dayton, OH (#19380)
    CBSA Metro Statistical Area: Dayton, OH (#19380)
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $103.4 mil
    Equity capital: $9.3 mil
    Deposits held in domestic offices: $93.5 mil
    Return on assets (ROA): 0.72% ($0.7 mil)
    Quarterly return on assets: 0.81% ($0.8 mil)
    Return on Equity (ROE): 8.25% ($0.7 mil)
    Quarterly return on equity: 8.90% ($0.8 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.82% ($847.5 mil)
    Quarterly Pretax return on assets: 0.92% ($950.9 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
  • 25Total employees (full-time equivalent)
  • $103,355Total assets
  • $4,374Cash and due from depository institutions
  • $750Interest-bearing balances
  • $30,562Securities
  • $1,157Federal funds sold & reverse repurchase agreements
  • $61,525Net loans & leases
  • $838Loan loss allowance
  • $0Trading account assets
  • $1,713Bank premises and fixed assets
  • $619Other real estate owned
  • $0Goodwill and other intangibles
  • $103,354Life insurance assets
  • $3,405All other assets
  • $94,077Total liabilities and capital
  • $93,520Total liabilities
  • $75,864Total deposits
  • $93,520Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 4.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $553Subordinated debt
  • $9,277All other liabilities
  • $9,277Total equity capital
  • $9,277Total bank equity capital
  • $0Perpetual preferred stock
  • $420Common stock
  • $705Surplus
  • $8,152Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $960Income earned, not collected on loans
  • $0Earning assets
  • $420Long-term assets (5+ years)
  • $93,994Average Assets, year-to-date
  • $59,309Average Assets, quarterly
  • $98,714Volatile liabilities
  • $101,419Insider loans
  • $53,180FHLB advances
  • $101,711Loans and leases held for sale
  • $2,259Unused loan commitments
  • $2,259Tier 1 (core) risk-based capital
  • $8,359Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,533Restructured Loans and leases
  • $787Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,271Total interest income
  • $518Total interest expense
  • $3,753Net interest income
  • $300Provision for loan and lease losses
  • $367Total noninterest income
  • $0Fiduciary activities
  • $258Service charges on deposit accounts
  • $0Trading account gains & fees
  • $109Additional noninterest income
  • $3,099Total noninterest expense
  • $1,599Salaries and employee benefits
  • $318Premises and equipment expense
  • $1,182Additional noninterest expense
  • $721Pre-tax net operating income
  • $87Securities gains (losses)
  • $97Applicable income taxes
  • $711Income before extraordinary items
  • $0Extraordinary gains - net
  • $711Net income attributable to bank
  • $0Net charge-offs
  • $711Cash dividends
  • $372Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.77%Yield on earning assets
  • 0.58%Cost of funding earning assets
  • 4.19%Net interest margin
  • 0.41%Noninterest income to earning assets
  • 3.46%Noninterest expense to earning assets
  • 0.64%Net operating income to assets
  • 0.72%Return on assets (ROA)
  • 0.82%Pretax return on assets
  • 8.25%Return on equity (ROE)
  • 8.25%Retained earnings to average equity (YTD only)
  • 0.64%Net charge-offs to loans
  • 80.65%Credit loss provision to net charge-offs
  • 2.74%Efficiency ratio
  • 75,218Assets per employee
  • 4.13%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.34%Loss allowance to noncurrent loans
  • 87.29%Noncurrent assets plus other real estate owned to assets
  • 1.53%Noncurrent loans to loans
  • 1.54%Net loans and leases to deposits
  • 65.79%Net loans and leases to core deposits
  • 65.79%Equity capital to assets
  • 8.98%Core capital (leverage) ratio
  • 8.22%Tier 1 risk-based capital ratio
  • 15.72%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $98,714Average earning assets
  • $8,613Average equity
  • $89,562Average loans

List of branches

  • 3 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06080The Farmers And Merchants Bank41 South First Street, Miamisburg, OH 45342November 23, 1923Full Service Brick and Mortar
    1220196West Carrollton Branch3235 W. Alexandersville-Bellbrook Rd, West Carrollton, OH 45449May 31, 1978Full Service Brick and Mortar
    3457063Germantown Branch2367 Beechwood Drive, Germantown, OH 45327December 08, 2006Full Service Brick and Mortar

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