Vitals
  • Total Assets
    1.5B -2.2 %
  • Total Deposits
    1.4B 0.4 %
  • Total Net Loans
    950.2M -4.0 %
  • Net Income
    3.4M -12.1 %
  • Book Value
    104.7M -26.2 %
  • Book Value x2
    209.5M -26.2 %
  • Book Value x3
    314.2M -26.2 %
ROAA

.438

ROAE

5.128

Efficiency Ratio

74.619

Net Interest Margin

3.608

Balance Sheet Highlights
Financial Highlights Merchants And Farmers Bank All Insured Commercial Banks in Mississippi
Balance Sheet $(000)
Total Assets 1,519,543 350,849
Total Net Loans 950,196 202,455
Total Deposits 1,367,195 299,394
Total Equity 104,726 35,550
Profitability
Net Income 3,383 1,554
Return on Average Assets .438 .897
Return on Average Equity 5.128 8.454
Net Interest Margin 3.608 3.898
Efficiency Ratio 74.619 70.148
Noninterest Income/Revenue 18.432 19.879
Balance Sheet Ratios
Loan-to-Deposit 69.5 65.459
Securities/Assets .179 .26
Total Equity/Total Assets .069 .101
Tangible Equity/Tangible Assets .066 .098
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 104,158 35,055
Tier 2 Capital 13,474 2,749
Total Capital 117,632 37,799
Total Risk Weighted Assets 1,071,928 233,679
Leverage Ratio 6.81 10.485
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 9.72 16.757
Total Capital Ratio 10.97 17.935

Timeline for Merchants And Farmers Bank

Renasant Bank

Merchants And Farmers Bank was acquired by Renasant Bank 10 years

View Profile Sep 01 2013

M & F Step Up, Llc

M & F Step Up, Llc became a new subsidiary organization for Merchants And Farmers Bank.

View Profile Aug 08 2008

Bells Banking Company

Acquisition: Merchants And Farmers Bank acquired a new subsidiary, Bells Banking Company, 18 years

View Profile May 13 2006

First National Bank Of Shelby County

Acquisition: Merchants And Farmers Bank acquired a new subsidiary, First National Bank Of Shelby County, 18 years

View Profile Feb 18 2006

Ms Statewide Title, Llc

Ms Statewide Title, Llc became a new subsidiary organization for Merchants And Farmers Bank.

View Profile Aug 16 2004

Want to see more?

Complete timeline for Merchants And Farmers Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Renasant Bank Buyer 8,520,287 Acquisition Discontinued 9/1/2013
Bells Banking Company Seller 31,890 Acquisition Discontinued 5/13/2006
First National Bank Of Shelby County Seller 179,364 Acquisition Discontinued 2/18/2006
Community Federal Bank Seller 298,490 Acquisition Discontinued 11/20/1999
First National Bank Of Bolivar County Seller 38,973 Pooling of Interests Discontinued 1/1/1999
Farmers And Merchants Bank Seller 32,038 Pooling of Interests Discontinued 1/1/1996
Security Federal Savings And Loan Association Seller 162,511 Failure 4/16/1994
Unifirst Bank For Savings, A Federal Savings And Loan Association Seller 607,253 Failure 6/16/1990
Oxford Bank & Trust Company Seller 20,055 Discontinued 2/1/1983
The Bank Of Lena Seller 1,278 Discontinued 11/1/1974
Peoples Bank Of Durant Seller Discontinued 9/1/1972
Relationships Role Relationship Start Relationship End
First M & F Corporation Parent 12/31/1988 8/31/2013
First M & F Corporation Parent 12/31/1983 12/30/1988
First M & F Corporation Parent 12/31/1982 12/30/1983
First M & F Corporation Parent 12/31/1981 12/30/1982
First M & F Corporation Parent 2/8/1980 12/30/1981
Renasant Securities Corporation Subsidary 6/30/2007 8/31/2013
M&F Insurance Group, Inc. Subsidary 6/30/2007 8/31/2013
M & F Business Credit, Inc. Subsidary 6/30/2007 8/31/2013
Ms Statewide Title, Llc Subsidary 8/16/2004 8/31/2013
M & F Step Up, Llc Subsidary 8/8/2008 8/31/2013
First M & F Insurance Company, Inc. Subsidary 6/30/2007 8/15/2013
M & F Insurance Agency, Inc Subsidary 6/30/2007 7/16/2013
Merchants Financial Services Group, Llc The Subsidary 3/1/2000 12/31/2009
Renasant Securities Corporation Subsidary 1/1/1992 6/29/2007
First M & F Insurance Company, Inc. Subsidary 1/1/1991 6/29/2007
M & F Insurance Agency, Inc Subsidary 1/1/1998 6/29/2007
M&F Insurance Group, Inc. Subsidary 9/22/1999 6/29/2007
M & F Business Credit, Inc. Subsidary 5/29/2003 6/29/2007
Reynolds Insurance And Real Estate Subsidary 12/22/1999 12/31/2001
Insurance Services Inc Subsidary 1/14/2000 12/31/2001
M & F Financial Services, Inc. Subsidary 8/21/1984 4/1/2001
State Financial Services, Inc. Subsidary 2/8/1980 1/16/1996
Family Budget Service Of Carthage, Inc. Subsidary 2/8/1980 1/16/1996
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