Vitals
  • Total Assets
    120.2M -0.6 %
  • Total Deposits
    103.4M 6.7 %
  • Total Net Loans
    74.3M -10.7 %
  • Net Income
    1.7M 8.3 %
  • Book Value
    11.4M -2.3 %
  • Book Value x2
    22.7M -2.3 %
  • Book Value x3
    34.0M -2.3 %
ROAA

1.469

ROAE

14.339

Efficiency Ratio

55.937

Net Interest Margin

4.073

Balance Sheet Highlights
Financial Highlights F & M Bank Minnesota All Insured Commercial Banks in Minnesota
Balance Sheet $(000)
Total Assets 120,187 147,703
Total Net Loans 74,306 97,223
Total Deposits 103,384 126,600
Total Equity 11,350 15,565
Profitability
Net Income 1,702 1,683
Return on Average Assets 1.469 1.08
Return on Average Equity 14.339 9.905
Net Interest Margin 4.073 3.845
Efficiency Ratio 55.937 68.21
Noninterest Income/Revenue 3.424 13.68
Balance Sheet Ratios
Loan-to-Deposit 71.874 75.205
Securities/Assets .161 .174
Total Equity/Total Assets .094 .105
Tangible Equity/Tangible Assets .089 .103
Capital Adequacy
Tier 1 Common Capital 10,586 15,225
Tier 1 Capital 10,586 15,232
Tier 2 Capital 874 1,135
Total Capital 11,460 16,386
Total Risk Weighted Assets 91,653 105,251
Leverage Ratio 8.73 10.475
Common Equity Tier 1 Capital Ratio 11.55 15.3
Tier 1 Capital Ratio 11.55 15.308
Total Capital Ratio 12.5 16.398

Timeline for F & M Bank Minnesota

The Citizens State Bank Of Olivia

Acquisition: F & M Bank Minnesota acquired a new subsidiary, The Citizens State Bank Of Olivia, 10 years

View Profile Feb 08 2014

Independent Bancshares, Inc.

Independent Bancshares, Inc. became a new parent organization for F & M Bank Minnesota.

View Profile Jan 01 2005

Clarkfield Holding Company

Clarkfield Holding Company became a new parent organization for F & M Bank Minnesota.

View Profile Dec 29 1998

Fergus Falls Bancshares, Inc.

Fergus Falls Bancshares, Inc. became a new parent organization for F & M Bank Minnesota.

View Profile Sep 24 1980

F & M Bank Minnesota

F & M Bank Minnesota was established 105 years ago and is currently headquartered in Olivia, MN.

Jan 28 1919
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
The Citizens State Bank Of Olivia Seller 25,392 Acquisition Discontinued 2/8/2014
Relationships Role Relationship Start Relationship End
Independent Bancshares, Inc. Parent 1/1/2005
Clarkfield Holding Company Parent 12/29/1998 12/31/2004
Fergus Falls Bancshares, Inc. Parent 12/30/1996 12/28/1998
Fergus Falls Bancshares, Inc. Parent 4/23/1990 12/29/1996
Fergus Falls Bancshares, Inc. Parent 9/30/1982 4/22/1990
Fergus Falls Bancshares, Inc. Parent 9/24/1980 9/29/1982
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