The Farmers and Merchants National Bank of Nashville in Nashville, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Farmers and Merchants National Bank of Nashville - Overview

  • General
  • FDIC Certificate #: 3821
    Status: Active
    Federal Reserve ID: 513546
    Bank Holding Company (Regulatory Top Holder): Farmers And Merchants Bancshares, Inc. (RSSDID: 2931331, Location: Nashville, IL)
    Date Established: May 10, 1906
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 14361
    FDIC's unique #: 2482
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: Yes
    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: 120 West St. Louis Street, Nashville, IL 62263
    County: Washington
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Mount Vernon
    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: $162.2 mil
    Equity capital: $21.4 mil
    Deposits held in domestic offices: $135.6 mil
    Return on assets (ROA): 1.00% ($1.6 mil)
    Quarterly return on assets: 1.05% ($1.7 mil)
    Return on Equity (ROE): 7.72% ($1.6 mil)
    Quarterly return on equity: 7.94% ($1.7 mil)
    Net income: $1.6 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.01% ($1,638.7 mil)
    Quarterly Pretax return on assets: 1.07% ($1,736.0 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
  • 49Total employees (full-time equivalent)
  • $162,243Total assets
  • $8,936Cash and due from depository institutions
  • $6,456Interest-bearing balances
  • $68,439Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $78,751Net loans & leases
  • $917Loan loss allowance
  • $0Trading account assets
  • $3,603Bank premises and fixed assets
  • $282Other real estate owned
  • $0Goodwill and other intangibles
  • $162,243Life insurance assets
  • $2,232All other assets
  • $140,827Total liabilities and capital
  • $135,576Total liabilities
  • $113,160Total deposits
  • $135,576Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,000Trading liabilities
  • $0Other borrowed funds
  • $251Subordinated debt
  • $21,416All other liabilities
  • $21,416Total equity capital
  • $21,416Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $400Surplus
  • $20,866Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $428Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $154Income earned, not collected on loans
  • $0Earning assets
  • $863Long-term assets (5+ years)
  • $153,646Average Assets, year-to-date
  • $63,961Average Assets, quarterly
  • $157,636Volatile liabilities
  • $161,323Insider loans
  • $85,106FHLB advances
  • $163,889Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $19,458Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,605Restructured Loans and leases
  • $101Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,199Total interest income
  • $1,451Total interest expense
  • $4,748Net interest income
  • $60Provision for loan and lease losses
  • $1,159Total noninterest income
  • $0Fiduciary activities
  • $373Service charges on deposit accounts
  • $0Trading account gains & fees
  • $786Additional noninterest income
  • $4,375Total noninterest expense
  • $2,214Salaries and employee benefits
  • $925Premises and equipment expense
  • $1,236Additional noninterest expense
  • $1,472Pre-tax net operating income
  • $117Securities gains (losses)
  • $16Applicable income taxes
  • $1,573Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,573Net income attributable to bank
  • $0Net charge-offs
  • $1,573Cash dividends
  • $83Sale, conversion, retirement of capital stock, net
  • $418Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.20%Yield on earning assets
  • 0.98%Cost of funding earning assets
  • 3.22%Net interest margin
  • 0.79%Noninterest income to earning assets
  • 2.97%Noninterest expense to earning assets
  • 0.92%Net operating income to assets
  • 1.00%Return on assets (ROA)
  • 1.01%Pretax return on assets
  • 7.72%Return on equity (ROE)
  • 5.67%Retained earnings to average equity (YTD only)
  • 0.11%Net charge-offs to loans
  • 72.29%Credit loss provision to net charge-offs
  • 18.46%Efficiency ratio
  • 74,065Assets per employee
  • 3.31%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 26.57%Loss allowance to loans
  • 1.15%Loss allowance to noncurrent loans
  • 595.45%Noncurrent assets plus other real estate owned to assets
  • 0.27%Noncurrent loans to loans
  • 0.19%Net loans and leases to deposits
  • 58.09%Net loans and leases to core deposits
  • 59.36%Equity capital to assets
  • 13.20%Core capital (leverage) ratio
  • 11.87%Tier 1 risk-based capital ratio
  • 22.86%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $157,636Average earning assets
  • $20,386Average equity
  • $147,528Average loans

List of branches

  • 7 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02482The Farmers And Merchants National B120 West St. Louis Street, Nashville, IL 62263May 10, 1906Full Service Brick and Mortar
    1201962F & M Motor Facility118 East Lebanon Street, Nashville, IL 62263March 24, 1975Limited Service Facility
    2201963Dubois BranchThird And Broadway, Dubois, IL 62831August 07, 1992Full Service Brick and Mortar
    3201964Hoyleton Branch51 East St Louis Street, Hoyleton, IL 62803April 01, 1997Full Service Brick and Mortar
    4451652Ashley Branch636 East Main Street, Ashley, IL 62808November 08, 2005Full Service Brick and Mortar
    5492781Lebanon Branch108 W St Louis St, Lebanon, IL 62254August 04, 2008Full Service Brick and Mortar
    6492782Mascoutah Branch832 N Jefferson St, Mascoutah, IL 62258January 02, 2009Full Service Brick and Mortar

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