Farmers and Merchants Bank of Ashland in city_name, state_name

Farmers and Merchants Bank of Ashland in Ashland, Nebraska (NE)
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Farmers and Merchants Bank of Ashland routing number info

Farmers and Merchants Bank of Ashland - Overview

General
FDIC Certificate #: 5377
Status: Active
Federal Reserve ID: 398051
Bank Holding Company (Regulatory Top Holder): Farmers And Merchants Financial Corporation (RSSDID: 3446748, Location: Ashland, NE)
Date Established: November 15, 1883
WWW: http://www.fmnb.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 4 (Domestic: 4, Interstate: No)
OTS Docket #: 12966
FDIC's unique #: 3627
Numeric code: 13
Regulator: FED
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: January 01, 1934
Last Structure Change Effective Date: December 15, 2009
Last Structure Change Process Date: December 16, 2009
Last Data Update: December 16, 2009
Data Source Date: April 05, 2012
Location
Address: 1501 Silver Street, Ashland, NE 68003
County: Saunders
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Omaha
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Combined Statistical Area (CSA): Omaha-Council Bluffs-Fremont, NE-IA (#420)
Core Based Statistical Area (CBSA): Omaha-Council Bluffs, NE-IA (#36540)
CBSA Metro Statistical Area: Omaha-Council Bluffs, NE-IA (#36540)
History of Changes
Name Change
Change in Primary Regulatory Agency
Change in Supervisory Agency
Financial Summary
Total assets: $62.0 mil
Equity capital: $7.2 mil
Deposits held in domestic offices: $48.2 mil
Return on assets (ROA): 0.83% ($0.5 mil)
Quarterly return on assets: 0.43% ($0.3 mil)
Return on Equity (ROE): 7.45% ($0.5 mil)
Quarterly return on equity: 3.69% ($0.3 mil)
Net income: $0.5 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 1.16% ($719.3 mil)
Quarterly Pretax return on assets: 0.59% ($365.8 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
18Total employees (full-time equivalent)
$62,005Total assets
$3,233Cash and due from depository institutions
$115Interest-bearing balances
$6,712Securities
$0Federal funds sold & reverse repurchase agreements
$47,320Net loans & leases
$531Loan loss allowance
$0Trading account assets
$839Bank premises and fixed assets
$107Other real estate owned
$0Goodwill and other intangibles
$62,005Life insurance assets
$3,794All other assets
$54,816Total liabilities and capital
$48,227Total liabilities
$35,093Total deposits
$48,227Interest-bearing deposits
$95Deposits held in domestic offices
45.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$6,011Trading liabilities
$0Other borrowed funds
$533Subordinated debt
$7,189All other liabilities
$7,189Total equity capital
$7,189Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$700Surplus
$6,389Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$156Income earned, not collected on loans
$0Earning assets
$588Long-term assets (5+ years)
$54,147Average Assets, year-to-date
$13,028Average Assets, quarterly
$63,289Volatile liabilities
$62,070Insider loans
$50,007FHLB advances
$62,652Loans and leases held for sale
$1,167Unused loan commitments
$1,167Tier 1 (core) risk-based capital
$7,116Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$10,620Restructured Loans and leases
$247Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$3,035Total interest income
$467Total interest expense
$2,568Net interest income
$25Provision for loan and lease losses
$346Total noninterest income
$0Fiduciary activities
$207Service charges on deposit accounts
$0Trading account gains & fees
$139Additional noninterest income
$2,159Total noninterest expense
$1,148Salaries and employee benefits
$247Premises and equipment expense
$764Additional noninterest expense
$730Pre-tax net operating income
$3Securities gains (losses)
$210Applicable income taxes
$523Income before extraordinary items
$0Extraordinary gains - net
$523Net income attributable to bank
$0Net charge-offs
$523Cash dividends
$134Sale, conversion, retirement of capital stock, net
$232Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.39%Yield on earning assets
0.83%Cost of funding earning assets
4.56%Net interest margin
0.61%Noninterest income to earning assets
3.83%Noninterest expense to earning assets
0.82%Net operating income to assets
0.83%Return on assets (ROA)
1.16%Pretax return on assets
7.45%Return on equity (ROE)
4.15%Retained earnings to average equity (YTD only)
0.29%Net charge-offs to loans
18.66%Credit loss provision to net charge-offs
5.63%Efficiency ratio
74,091Assets per employee
3.44%Cash dividends to net income (YTD only)
Condition Ratios (%)
44.36%Loss allowance to loans
1.11%Loss allowance to noncurrent loans
340.38%Noncurrent assets plus other real estate owned to assets
0.42%Noncurrent loans to loans
0.33%Net loans and leases to deposits
98.12%Net loans and leases to core deposits
100.94%Equity capital to assets
11.59%Core capital (leverage) ratio
11.36%Tier 1 risk-based capital ratio
14.23%Total risk-based capital ratio
Memoranda
$15Average assets
$63,289Average earning assets
$7,016Average equity
$56,359Average loans

List of branches

4 Nebraska Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	3627	Farmers And Merchants Bank Of Ashlan	1501 Silver Street, Ashland, NE 68003	November 15, 1883	Full Service Brick and Mortar
1	207636	Ashland Drive-Up Facility	1533 Silver Street, Ashland, NE 68003	December 24, 1987	Limited Service Facility
2	430784	Highway 6 Branch	504 Highway 6, Ashland, NE 68003	June 17, 2004	Full Service Brick and Mortar
3	442330	Www.Fmnb.com Branch	1501 Silver Street, Ashland, NE 68003	April 05, 2005	Full Service Cyber

Farmers and Merchants Bank of Ashland in Ashland, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

Farmers and Merchants Bank of Ashland - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Farmers and Merchants Bank of Ashland in Ashland, Nebraska (NE)Overview, Financial Summary, Detailed Financial Reports, Branches

Farmers and Merchants Bank of Ashland - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Farmers and Merchants Bank of Ashland in Ashland, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches