Vitals
  • Total Assets
    97.1M 2.4 %
  • Total Deposits
    78.9M 2.9 %
  • Total Net Loans
    54.3M 4.9 %
  • Net Income
    1.2M 2.9 %
  • Book Value
    11.1M -1.4 %
  • Book Value x2
    22.2M -1.4 %
  • Book Value x3
    33.2M -1.4 %
ROAA

1.294

ROAE

10.835

Efficiency Ratio

56.867

Net Interest Margin

4.695

Balance Sheet Highlights
Financial Highlights Merchants And Farmers Bank All Insured Commercial Banks in Georgia
Balance Sheet $(000)
Total Assets 97,123 185,759
Total Net Loans 54,273 137,560
Total Deposits 78,910 154,387
Total Equity 11,077 17,752
Profitability
Net Income 1,171 11,253
Return on Average Assets 1.294 1.405
Return on Average Equity 10.835 14.35
Net Interest Margin 4.695 4.561
Efficiency Ratio 56.867 62.186
Noninterest Income/Revenue 11.401 11.405
Balance Sheet Ratios
Loan-to-Deposit 68.778 84.834
Securities/Assets .233 .213
Total Equity/Total Assets .114 .096
Tangible Equity/Tangible Assets .081 -.929
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 8,096 17,144
Tier 2 Capital 720 1,758
Total Capital 8,816 18,847
Total Risk Weighted Assets 57,381 144,350
Leverage Ratio 9.14 10.263
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 14.11 13.733
Total Capital Ratio 15.36 14.902

Timeline for Merchants And Farmers Bank

Ameris Bank

Merchants And Farmers Bank was acquired by Ameris Bank 18 years

View Profile Feb 11 2006

M&F Holding Company, Inc.

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

View Profile Jul 06 1999

Ameris Bancorp

Ameris Bancorp became a new parent organization for Merchants And Farmers Bank.

View Profile Dec 31 1996

M&F Financial Corporation

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

View Profile Feb 25 1985

Merchants And Farmers Bank

Merchants And Farmers Bank was established 98 years ago and is currently headquartered in Donalsonville, GA.

Sep 24 1925
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Ameris Bank Buyer 6,487,996 Pooling of Interests Discontinued 2/11/2006
Relationships Role Relationship Start Relationship End
Ameris Bancorp Parent 12/31/1996 2/10/2006
M&F Financial Corporation Parent 12/1/1994 12/30/1996
M&F Financial Corporation Parent 8/1/1994 11/30/1994
M&F Financial Corporation Parent 1/29/1994 7/31/1994
M&F Financial Corporation Parent 1/1/1994 1/28/1994
M&F Financial Corporation Parent 12/16/1987 12/31/1993
M&F Financial Corporation Parent 2/25/1985 12/15/1987
M&F Holding Company, Inc. Subsidary 7/6/1999 2/10/2006
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