The Merchants and Farmers Bank of Salisbury in Salisbury, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Merchants and Farmers Bank of Salisbury - Overview

  • General
  • FDIC Certificate #: 8259
    Status: Active
    Federal Reserve ID: 963954
    Bank Holding Company (Regulatory Top Holder): Widmer Bancshares, Inc. (RSSDID: 1917918, Location: Salisbury, MO)
    Date Established: September 07, 1903
    WWW: http://www.merchantsandfarmers.net
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 11134
    FDIC's unique #: 5267
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    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: 507 N Weber Ave, Salisbury, MO 65281
    County: Chariton
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Columbia Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $103.3 mil
    Equity capital: $8.8 mil
    Deposits held in domestic offices: $91.5 mil
    Return on assets (ROA): -0.17% (-$0.2 mil)
    Quarterly return on assets: 0.88% ($0.9 mil)
    Return on Equity (ROE): -2.04% (-$0.2 mil)
    Quarterly return on equity: 10.02% ($0.9 mil)
    Net income: -$0.2 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: -0.19% (-$196.2 mil)
    Quarterly Pretax return on assets: 0.88% ($908.7 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
  • 30Total employees (full-time equivalent)
  • $103,256Total assets
  • $13,398Cash and due from depository institutions
  • $9,453Interest-bearing balances
  • $29,951Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $57,165Net loans & leases
  • $1,045Loan loss allowance
  • $0Trading account assets
  • $934Bank premises and fixed assets
  • $390Other real estate owned
  • $11Goodwill and other intangibles
  • $103,256Life insurance assets
  • $1,407All other assets
  • $94,409Total liabilities and capital
  • $91,455Total liabilities
  • $76,956Total deposits
  • $91,455Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,880Trading liabilities
  • $0Other borrowed funds
  • $74Subordinated debt
  • $8,847All other liabilities
  • $8,847Total equity capital
  • $8,847Total bank equity capital
  • $0Perpetual preferred stock
  • $105Common stock
  • $2,926Surplus
  • $5,816Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $780Long-term assets (5+ years)
  • $96,569Average Assets, year-to-date
  • $16,671Average Assets, quarterly
  • $99,674Volatile liabilities
  • $99,944Insider loans
  • $60,281FHLB advances
  • $98,105Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,604Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,228Restructured Loans and leases
  • $889Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,098Total interest income
  • $957Total interest expense
  • $3,141Net interest income
  • $591Provision for loan and lease losses
  • $234Total noninterest income
  • $0Fiduciary activities
  • $108Service charges on deposit accounts
  • $0Trading account gains & fees
  • $126Additional noninterest income
  • $2,461Total noninterest expense
  • $1,435Salaries and employee benefits
  • $333Premises and equipment expense
  • $693Additional noninterest expense
  • $323Pre-tax net operating income
  • -$512Securities gains (losses)
  • -$15Applicable income taxes
  • -$174Income before extraordinary items
  • $0Extraordinary gains - net
  • -$174Net income attributable to bank
  • $0Net charge-offs
  • -$174Cash dividends
  • $621Sale, conversion, retirement of capital stock, net
  • $187Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.42%Yield on earning assets
  • 1.03%Cost of funding earning assets
  • 3.38%Net interest margin
  • 0.25%Noninterest income to earning assets
  • 2.65%Noninterest expense to earning assets
  • 0.30%Net operating income to assets
  • -0.17%Return on assets (ROA)
  • -0.19%Pretax return on assets
  • -2.04%Return on equity (ROE)
  • -4.24%Retained earnings to average equity (YTD only)
  • 1.04%Net charge-offs to loans
  • 95.17%Credit loss provision to net charge-offs
  • 1.47%Efficiency ratio
  • 72,770Assets per employee
  • 3.44%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -107.47%Loss allowance to loans
  • 1.80%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.38%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 62.51%Net loans and leases to core deposits
  • 65.54%Equity capital to assets
  • 8.57%Core capital (leverage) ratio
  • 8.77%Tier 1 risk-based capital ratio
  • 14.27%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $99,674Average earning assets
  • $8,523Average equity
  • $92,797Average loans

List of branches

  • 4 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05267The Merchants And Farmers Bank Of Sa507 N Weber Ave, Salisbury, MO 65281September 07, 1903Full Service Brick and Mortar
    2283064Fayette/Boonslick Branch110 Morrison, Fayette, MO 65248January 01, 1887Full Service Brick and Mortar
    3218210Columbia Branch4000 Rangeline, Columbia, MO 65202August 01, 1994Full Service Brick and Mortar
    540653Hardin Federal Savings Bank BranchElm & Second Streets, Hardin, MO 64035January 01, 1914Full Service Brick and Mortar

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