Vitals
  • Total Assets
    1.3B 6.1 %
  • Total Deposits
    1.2B 5.5 %
  • Total Net Loans
    812.4M 12.4 %
  • Net Income
    10.6M 0.1 %
  • Book Value
    114.0M -0.5 %
  • Book Value x2
    228.1M -0.5 %
  • Book Value x3
    342.1M -0.5 %
ROAA

.816

ROAE

8.977

Efficiency Ratio

67.189

Net Interest Margin

3.226

Balance Sheet Highlights
Financial Highlights First Farmers And Merchants Bank All Insured Commercial Banks in Tennessee
Balance Sheet $(000)
Total Assets 1,332,794 350,717
Total Net Loans 812,437 240,957
Total Deposits 1,164,385 296,573
Total Equity 114,130 37,152
Profitability
Net Income 10,556 3,593
Return on Average Assets .816 .956
Return on Average Equity 8.977 8.82
Net Interest Margin 3.226 4.036
Efficiency Ratio 67.189 69.386
Noninterest Income/Revenue 20.643 17.129
Balance Sheet Ratios
Loan-to-Deposit 69.774 77.925
Securities/Assets .309 .166
Total Equity/Total Assets .086 .106
Tangible Equity/Tangible Assets .079 .103
Capital Adequacy
Tier 1 Common Capital 107,187 35,983
Tier 1 Capital 107,187 36,157
Tier 2 Capital 9,348 2,649
Total Capital 116,535 38,803
Total Risk Weighted Assets 883,150 253,332
Leverage Ratio 8.16 10.564
Common Equity Tier 1 Capital Ratio 12.14 15.215
Tier 1 Capital Ratio 12.14 15.278
Total Capital Ratio 13.2 16.362

Timeline for First Farmers And Merchants Bank

F And M West, Inc.

F And M West, Inc. became a new subsidiary organization for First Farmers And Merchants Bank.

View Profile Nov 01 2006

F&M West, Inc.

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

View Profile Dec 20 2001

Peoples And Union Bank

Acquisition: First Farmers And Merchants Bank acquired a new subsidiary, Peoples And Union Bank, 23 years

View Profile Apr 28 2001

Farmers & Merchants Bank

Acquisition: First Farmers And Merchants Bank acquired a new subsidiary, Farmers & Merchants Bank, 25 years

View Profile Feb 05 1999

The Bank Of Loretto

Acquisition: First Farmers And Merchants Bank acquired a new subsidiary, The Bank Of Loretto, 38 years

View Profile Sep 05 1985

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Complete timeline for First Farmers And Merchants Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Peoples And Union Bank Seller 162,260 Acquisition Discontinued 4/28/2001
Farmers & Merchants Bank Seller 21,688 Acquisition Discontinued 2/5/1999
The Bank Of Loretto Seller 25,637 Failure 9/5/1985
Relationships Role Relationship Start Relationship End
First Farmers And Merchants Corporation Parent 11/1/1982
F And M West, Inc. Subsidary 6/30/2007
F And M West, Inc. Subsidary 11/1/2006 6/29/2007
F&M West, Inc. Subsidary 12/20/2001 10/31/2003
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