Vitals
  • Total Assets
    546.1M 0.7 %
  • Total Deposits
    506.9M -2.9 %
  • Total Net Loans
    399.4M 1.8 %
  • Net Income
    11.3M 1,298.1 %
  • Book Value
    27.7M 75.6 %
  • Book Value x2
    55.5M 75.6 %
  • Book Value x3
    83.2M 75.6 %
ROAA

2.078

ROAE

53.237

Efficiency Ratio

75.082

Net Interest Margin

4.006

Balance Sheet Highlights
Financial Highlights Farmers & Merchants Bank All Insured Commercial Banks in Georgia
Balance Sheet $(000)
Total Assets 546,069 256,123
Total Net Loans 399,425 160,108
Total Deposits 506,873 221,413
Total Equity 27,732 27,434
Profitability
Net Income 11,311 2,812
Return on Average Assets 2.078 .99
Return on Average Equity 53.237 8.811
Net Interest Margin 4.006 4.031
Efficiency Ratio 75.082 72.067
Noninterest Income/Revenue .627 19.316
Balance Sheet Ratios
Loan-to-Deposit 78.802 70.662
Securities/Assets .097 .165
Total Equity/Total Assets .051 .107
Tangible Equity/Tangible Assets .051 .105
Capital Adequacy
Tier 1 Common Capital 24,704 26,376
Tier 1 Capital 24,704 26,452
Tier 2 Capital 5,188 1,919
Total Capital 29,892 28,453
Total Risk Weighted Assets 410,236 174,280
Leverage Ratio 4.57 10.62
Common Equity Tier 1 Capital Ratio 6.02 16.191
Tier 1 Capital Ratio 6.02 16.286
Total Capital Ratio 7.29 17.433

Timeline for Farmers & Merchants Bank

The United Banking Company

Acquisition: Farmers & Merchants Bank acquired a new subsidiary, The United Banking Company, 20 years

View Profile Jun 28 2003

Fmb Bancshares, Inc.

Fmb Bancshares, Inc. became a new parent organization for Farmers & Merchants Bank.

View Profile Dec 15 1984

Farmers & Merchants Bank

Farmers & Merchants Bank was established 117 years ago and is currently headquartered in Lakeland, GA.

Jan 01 1907
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
The United Banking Company Seller 86,876 Pooling of Interests Discontinued 6/28/2003
Relationships Role Relationship Start Relationship End
Fmb Bancshares, Inc. Parent 12/15/1984
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