Vitals
  • Total Assets
    571.1M 3.8 %
  • Total Deposits
    503.7M 3.7 %
  • Total Net Loans
    402.8M 5.3 %
  • Net Income
    3.8M 30.4 %
  • Book Value
    62.5M 3.5 %
  • Book Value x2
    125.0M 3.5 %
  • Book Value x3
    187.5M 3.5 %
ROAA

.681

ROAE

6.24

Efficiency Ratio

76.446

Net Interest Margin

3.749

Balance Sheet Highlights
Financial Highlights Farmers & Merchants Bank All Insured Commercial Banks in North Carolina
Balance Sheet $(000)
Total Assets 571,109 1,412,230
Total Net Loans 402,792 1,020,122
Total Deposits 503,693 1,134,979
Total Equity 62,500 173,608
Profitability
Net Income 3,835 10,887
Return on Average Assets .681 .777
Return on Average Equity 6.24 6.782
Net Interest Margin 3.749 3.73
Efficiency Ratio 76.446 75.532
Noninterest Income/Revenue 23.985 18.66
Balance Sheet Ratios
Loan-to-Deposit 79.968 86.082
Securities/Assets .039 .132
Total Equity/Total Assets .109 .123
Tangible Equity/Tangible Assets .108 .104
Capital Adequacy
Tier 1 Common Capital 62,130 139,754
Tier 1 Capital 62,130 140,214
Tier 2 Capital 5,247 8,389
Total Capital 67,377 148,590
Total Risk Weighted Assets 417,554 1,125,721
Leverage Ratio 10.79 10.209
Common Equity Tier 1 Capital Ratio 14.88 13.055
Tier 1 Capital Ratio 14.88 13.195
Total Capital Ratio 16.14 14.232

Timeline for Farmers & Merchants Bank

F & M Mortgage Corporation

F & M Mortgage Corporation became a new subsidiary organization for Farmers & Merchants Bank.

View Profile Aug 17 2004

F&M Investment Services, Inc.

F&M Investment Services, Inc. became a new subsidiary organization for Farmers & Merchants Bank.

View Profile Aug 23 1989

F & M Financial Corporation

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

View Profile Nov 30 1984

F & M Real Estate Properties, Inc.

F & M Real Estate Properties, Inc. became a new subsidiary organization for Farmers & Merchants Bank.

View Profile Nov 30 1984

Farmers & Merchants Bank

Farmers & Merchants Bank was established 115 years ago and is currently headquartered in Granite Quarry, NC.

Jan 01 1909
Relationships Role Relationship Start Relationship End
F & M Financial Corporation Parent 11/30/1984
F&M Investment Services, Inc. Subsidary 6/30/2007
F & M Real Estate Properties, Inc. Subsidary 6/30/2007 12/31/2007
F & M Mortgage Corporation Subsidary 6/30/2007 12/31/2007
F & M Real Estate Properties, Inc. Subsidary 11/30/1984 6/29/2007
F&M Investment Services, Inc. Subsidary 8/23/1989 6/29/2007
F & M Mortgage Corporation Subsidary 8/17/2004 6/29/2007
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