Vitals
  • Total Assets
    209.3M 5.9 %
  • Total Deposits
    178.5M 6.8 %
  • Total Net Loans
    102.9M 7.9 %
  • Net Income
    1.6M 19.1 %
  • Book Value
    26.8M 0.6 %
  • Book Value x2
    53.6M 0.6 %
  • Book Value x3
    80.5M 0.6 %
ROAA

.797

ROAE

5.71

Efficiency Ratio

79.527

Net Interest Margin

4.277

Balance Sheet Highlights
Financial Highlights Farmers And Merchants Bank All Insured Commercial Banks in Alabama
Balance Sheet $(000)
Total Assets 209,276 266,812
Total Net Loans 102,884 157,006
Total Deposits 178,540 227,200
Total Equity 26,821 30,855
Profitability
Net Income 1,556 2,603
Return on Average Assets .797 .91
Return on Average Equity 5.71 7.525
Net Interest Margin 4.277 3.872
Efficiency Ratio 79.527 69.238
Noninterest Income/Revenue 15.899 15.218
Balance Sheet Ratios
Loan-to-Deposit 57.625 65.031
Securities/Assets .311 .23
Total Equity/Total Assets .128 .116
Tangible Equity/Tangible Assets .128 .114
Capital Adequacy
Tier 1 Common Capital 27,506 30,655
Tier 1 Capital 27,506 30,655
Tier 2 Capital 1,218 1,864
Total Capital 28,724 32,526
Total Risk Weighted Assets 131,520 184,216
Leverage Ratio 13.57 11.829
Common Equity Tier 1 Capital Ratio 20.91 18.757
Tier 1 Capital Ratio 20.91 18.762
Total Capital Ratio 21.84 19.824

Timeline for Farmers And Merchants Bank

F&M Financial Corp

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

View Profile Sep 30 1986

F&M Insurance Agency, Inc.

F&M Insurance Agency, Inc. became a new subsidiary organization for Farmers And Merchants Bank.

View Profile Sep 30 1986

Farmers And Merchants Bank

Farmers And Merchants Bank was established 109 years ago and is currently headquartered in Piedmont, AL.

Apr 12 1915
Relationships Role Relationship Start Relationship End
F&M Financial Corp Parent 9/30/1986
F&M Insurance Agency, Inc. Subsidary 6/30/2007
F&M Insurance Agency, Inc. Subsidary 9/30/1986 6/29/2007
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