FDIC Certificate #: 12225 Status: Active Federal Reserve ID: 509857 Bank Holding Company (Regulatory Top Holder): Farmers & Merchants Bancshares, Inc. (RSSDID: 1099225, Location: Wright City, MO) Date Established: December 10, 1910 WWW:http://www.fmb-bank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 14653 FDIC's unique #: 7770 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: All Other Specialization < 1 Billion Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: December 07, 2011 Last Structure Change Process Date: December 07, 2011 Last Data Update: December 07, 2011 Data Source Date: April 05, 2012
Location
Address: 100 Veterans Memorial Parkway, Wright City, MO 63390 County: Warren Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: St. Louis Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040) Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476) Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180) CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
Financial Summary
Total assets: $36.1 mil Equity capital: $3.5 mil Deposits held in domestic offices: $32.5 mil Return on assets (ROA): 0.16% ($0.1 mil) Quarterly return on assets: 0.50% ($0.2 mil) Return on Equity (ROE): 1.83% ($0.1 mil) Quarterly return on equity: 5.32% ($0.2 mil) Net income: $0.1 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.17% ($61.4 mil) Quarterly Pretax return on assets: 0.61% ($220.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
15Total employees (full-time equivalent)
$36,119Total assets
$3,256Cash and due from depository institutions
$1,846Interest-bearing balances
$9,686Securities
$0Federal funds sold & reverse repurchase agreements
$18,558Net loans & leases
$372Loan loss allowance
$0Trading account assets
$2,134Bank premises and fixed assets
$608Other real estate owned
$0Goodwill and other intangibles
$36,119Life insurance assets
$1,877All other assets
$32,662Total liabilities and capital
$32,524Total liabilities
$27,767Total deposits
$32,524Interest-bearing deposits
$85Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$138Subordinated debt
$3,457All other liabilities
$3,457Total equity capital
$3,457Total bank equity capital
$0Perpetual preferred stock
$81Common stock
$935Surplus
$2,441Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$911Income earned, not collected on loans
$0Earning assets
$133Long-term assets (5+ years)
$30,090Average Assets, year-to-date
$8,784Average Assets, quarterly
$38,045Volatile liabilities
$36,646Insider loans
$23,532FHLB advances
$37,001Loans and leases held for sale
$1,172Unused loan commitments
$853Tier 1 (core) risk-based capital
$3,320Tier 2 risk-based capital
$0Total risk weighted assets
$319Total unused commitments
$1,102Restructured Loans and leases
$339Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,522Total interest income
$257Total interest expense
$1,265Net interest income
$123Provision for loan and lease losses
$338Total noninterest income
$0Fiduciary activities
$193Service charges on deposit accounts
$0Trading account gains & fees
$145Additional noninterest income
$1,502Total noninterest expense
$796Salaries and employee benefits
$281Premises and equipment expense
$425Additional noninterest expense
-$22Pre-tax net operating income
$85Securities gains (losses)
$1Applicable income taxes
$62Income before extraordinary items
$0Extraordinary gains - net
$62Net income attributable to bank
$0Net charge-offs
$62Cash dividends
$102Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.97%Yield on earning assets
0.84%Cost of funding earning assets
4.13%Net interest margin
1.10%Noninterest income to earning assets
4.91%Noninterest expense to earning assets
-0.06%Net operating income to assets
0.16%Return on assets (ROA)
0.17%Pretax return on assets
1.83%Return on equity (ROE)
1.83%Retained earnings to average equity (YTD only)
0.52%Net charge-offs to loans
120.59%Credit loss provision to net charge-offs
0.99%Efficiency ratio
93,699Assets per employee
2.41%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.97%Loss allowance to noncurrent loans
40.83%Noncurrent assets plus other real estate owned to assets
4.21%Noncurrent loans to loans
4.81%Net loans and leases to deposits
57.06%Net loans and leases to core deposits
57.62%Equity capital to assets
9.57%Core capital (leverage) ratio
8.97%Tier 1 risk-based capital ratio
14.11%Total risk-based capital ratio
Memoranda
$15Average assets
$38,045Average earning assets
$3,386Average equity
$30,615Average loans
List of branches
1 Missouri Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
7770
Fmb Bank
100 Veterans Memorial Parkway, Wright City, MO 63390
December 10, 1910
Full Service Brick and Mortar
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