Vitals
  • Total Assets
    71.5M 4.5 %
  • Total Deposits
    62.2M 4.0 %
  • Total Net Loans
    34.7M -1.6 %
  • Net Income
    744000.0000 7.8 %
  • Book Value
    8.5M 4.2 %
  • Book Value x2
    17.0M 4.2 %
  • Book Value x3
    25.4M 4.2 %
ROAA

1.424

ROAE

11.756

Efficiency Ratio

59.671

Net Interest Margin

4.7

Balance Sheet Highlights
Financial Highlights Farmers And Merchants Bank All Insured Commercial Banks in Alabama
Balance Sheet $(000)
Total Assets 71,500 211,591
Total Net Loans 34,677 146,959
Total Deposits 62,243 169,649
Total Equity 8,480 21,286
Profitability
Net Income 744 9,972
Return on Average Assets 1.424 1.045
Return on Average Equity 11.756 10.084
Net Interest Margin 4.7 3.833
Efficiency Ratio 59.671 69.842
Noninterest Income/Revenue 15.49 11.292
Balance Sheet Ratios
Loan-to-Deposit 55.712 77.099
Securities/Assets .356 .364
Total Equity/Total Assets .119 .101
Tangible Equity/Tangible Assets .119 -7.451
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 8,662 21,165
Tier 2 Capital 525 1,820
Total Capital 9,187 22,863
Total Risk Weighted Assets 41,881 159,609
Leverage Ratio 12.46 10.892
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 20.68 15.93
Total Capital Ratio 21.94 16.961

Timeline for Farmers And Merchants Bank

First Southern State Bank

Farmers And Merchants Bank was acquired by First Southern State Bank 15 years

View Profile Dec 30 2008

Liberty Finance, Inc.

Liberty Finance, Inc. became a new subsidiary organization for Farmers And Merchants Bank.

View Profile Feb 01 1994

F&M Bancorporation

F&M Bancorporation became a new parent organization for Farmers And Merchants Bank.

View Profile May 28 1993

National Bank Of Commerce Of Birmingham

National Bank Of Commerce Of Birmingham became a new parent organization for Farmers And Merchants Bank.

View Profile Jun 25 1990

Farmers And Merchants Bank

Farmers And Merchants Bank was established 106 years ago and is currently headquartered in Centre, AL.

Dec 15 1917
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First Southern State Bank Buyer 377,404 Acquisition Discontinued 12/30/2008
Relationships Role Relationship Start Relationship End
F&M Bancorporation Parent 6/14/1993 12/29/2008
F&M Bancorporation Parent 5/28/1993 6/13/1993
National Bank Of Commerce Of Birmingham Parent 8/6/1991 5/27/1993
National Bank Of Commerce Of Birmingham Parent 6/25/1990 8/5/1991
Liberty Finance, Inc. Subsidary 2/1/1994 9/26/2002
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