FDIC Certificate #: 17444 Status: Active Federal Reserve ID: 984650 Date Established: July 01, 1907 Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 11436 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: May 26, 1955 Last Structure Change Effective Date: Febuary 17, 2011 Last Structure Change Process Date: Febuary 23, 2011 Last Data Update: Febuary 23, 2011 Data Source Date: April 05, 2012
Location
Address: 402 Main St, Axtell, NE 68924 County: Kearney Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Grand Island Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West Core Based Statistical Area (CBSA): Kearney, NE (#28260) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $9.2 mil Equity capital: $0.6 mil Deposits held in domestic offices: $8.3 mil Return on assets (ROA): 0.49% ($0.0 mil) Quarterly return on assets: -0.27% (-$0.0 mil) Return on Equity (ROE): 5.83% ($0.1 mil) Quarterly return on equity: -3.70% (-$0.0 mil) Net income: $0.0 mil Quarterly Net income: -$0.0 mil Pretax return on assets: 0.49% ($45.0 mil) Quarterly Pretax return on assets: -0.27% (-$24.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
2Total employees (full-time equivalent)
$9,184Total assets
$2,257Cash and due from depository institutions
$747Interest-bearing balances
$4,489Securities
$700Federal funds sold & reverse repurchase agreements
$1,513Net loans & leases
$37Loan loss allowance
$0Trading account assets
$92Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$9,184Life insurance assets
$133All other assets
$8,538Total liabilities and capital
$8,337Total liabilities
$5,617Total deposits
$8,337Interest-bearing deposits
$100Deposits held in domestic offices
187.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$14Subordinated debt
$646All other liabilities
$646Total equity capital
$646Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$300Surplus
$246Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$82Long-term assets (5+ years)
$7,449Average Assets, year-to-date
$5,072Average Assets, quarterly
$7,488Volatile liabilities
$8,872Insider loans
$3,168FHLB advances
$8,602Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$646Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$122Restructured Loans and leases
$45Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$283Total interest income
$37Total interest expense
$246Net interest income
$0Provision for loan and lease losses
$41Total noninterest income
$0Fiduciary activities
$25Service charges on deposit accounts
$0Trading account gains & fees
$16Additional noninterest income
$247Total noninterest expense
$115Salaries and employee benefits
$37Premises and equipment expense
$95Additional noninterest expense
$40Pre-tax net operating income
-$3Securities gains (losses)
$0Applicable income taxes
$37Income before extraordinary items
$0Extraordinary gains - net
$37Net income attributable to bank
$0Net charge-offs
$37Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.20%Yield on earning assets
0.55%Cost of funding earning assets
3.65%Net interest margin
0.61%Noninterest income to earning assets
3.67%Noninterest expense to earning assets
0.53%Net operating income to assets
0.49%Return on assets (ROA)
0.49%Pretax return on assets
5.83%Return on equity (ROE)
5.83%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
86,063Assets per employee
4.59%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.39%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
18.15%Net loans and leases to core deposits
21.28%Equity capital to assets
7.03%Core capital (leverage) ratio
7.51%Tier 1 risk-based capital ratio
20.39%Total risk-based capital ratio
Memoranda
$20Average assets
$7,488Average earning assets
$635Average equity
$6,735Average loans
List of branches
1 Nebraska Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
11436
Farmers And Merchants Bank
402 Main St, Axtell, NE 68924
July 01, 1907
Full Service Brick and Mortar
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