The Farmers and Merchants Bank in Miamisburg, Ohio (OH)

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The Farmers and Merchants Bank routing number info

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The Farmers and Merchants Bank
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Geographic Region/Area/Territory/Field Office
Financial SummaryTotal 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)
Total employees (full-time equivalent)25
Total assets$103,355
Cash and due from depository institutions$4,374
Interest-bearing balances$750
Federal funds sold & reverse repurchase agreements$1,157
Net loans & leases$61,525
Loan loss allowance $838
Trading account assets$0
Bank premises and fixed assets$1,713
Other real estate owned$619
Goodwill and other intangibles$0
All other assets$3,405
Life insurance assets$103,354
Total liabilities and capital$94,077
Total liabilities$93,520
Total deposits$75,864
Interest-bearing deposits$93,520
Deposits held in domestic offices$91
% insured (estimated)4.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $553
All other liabilities $9,277
Total equity capital$9,277
Total bank equity capital$9,277
Perpetual preferred stock$0
Common stock$420
Undivided profits $8,152
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 $960
Earning assets $0
Long-term assets (5+ years) $420
Average Assets, year-to-date $93,994
Average Assets, quarterly $59,309
Volatile liabilities $98,714
Insider loans $101,419
FHLB advances $53,180
Loans and leases held for sale $101,711
Unused loan commitments $2,259
Tier 1 (core) risk-based capital $2,259
Tier 2 risk-based capital $8,359
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $5,533
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $4,271
Total interest expense $518
Net interest income $3,753
Provision for loan and lease losses $300
Total noninterest income $367
Fiduciary activities $0
Service charges on deposit accounts $258
Trading account gains & fees $0
Additional noninterest income $109
Total noninterest expense $3,099
Salaries and employee benefits $1,599
Premises and equipment expense $318
Additional noninterest expense $1,182
Pre-tax net operating income $721
Securities gains (losses) $87
Applicable income taxes $97
Income before extraordinary items $711
Extraordinary gains - net $0
Net income attributable to bank $711
Net charge-offs $0
Cash dividends $711
Sale, conversion, retirement of capital stock, net $372
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.77%
Cost of funding earning assets 0.58%
Net interest margin 4.19%
Noninterest income to earning assets 0.41%
Noninterest expense to earning assets 3.46%
Net operating income to assets 0.64%
Return on assets (ROA) 0.72%
Pretax return on assets 0.82%
Return on equity (ROE) 8.25%
Retained earnings to average equity (YTD only) 8.25%
Net charge-offs to loans 0.64%
Credit loss provision to net charge-offs 80.65%
Efficiency ratio2.74%
Assets per employee$75,218
Cash dividends to net income (YTD only)4.13%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.34%
Noncurrent assets plus other real estate owned to assets 87.29%
Noncurrent loans to loans 1.53%
Net loans and leases to deposits1.54%
Net loans and leases to core deposits 65.79%
Equity capital to assets 65.79%
Core capital (leverage) ratio 8.98%
Tier 1 risk-based capital ratio 8.22%
Total risk-based capital ratio 15.72%
Average assets$17
Average earning assets$98,714
Average equity $8,613
Average loans $89,562
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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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