Merchants and Farmers Bank in city_name, state_name - Detailed Financial Reports, Location

Merchants and Farmers Bank in Dumas, Arkansas (AR)
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Merchants and Farmers Bank routing number info

Merchants and Farmers Bank - Overview

General
FDIC Certificate #: 8735
Status: Active
Federal Reserve ID: 644842
Bank Holding Company (Regulatory Top Holder): M & F Financial Corporation (RSSDID: 1099506, Location: Dumas, AR)
Date Established: May 10, 1909
WWW: http://www.mfbanknet.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
OTS Docket #: 15744
FDIC's unique #: 5564
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: January 01, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 500 Highway 65 South, Dumas, AR 71639
County: Desha
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Little Rock
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Western
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $95.6 mil
Equity capital: $8.5 mil
Deposits held in domestic offices: $86.3 mil
Return on assets (ROA): 0.69% ($0.7 mil)
Quarterly return on assets: 0.53% ($0.5 mil)
Return on Equity (ROE): 7.65% ($0.6 mil)
Quarterly return on equity: 5.84% ($0.5 mil)
Net income: $0.6 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.69% ($659.9 mil)
Quarterly Pretax return on assets: 0.53% ($506.8 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
33Total employees (full-time equivalent)
$95,632Total assets
$3,669Cash and due from depository institutions
$1,517Interest-bearing balances
$22,709Securities
$18,100Federal funds sold & reverse repurchase agreements
$43,155Net loans & leases
$816Loan loss allowance
$0Trading account assets
$3,089Bank premises and fixed assets
$57Other real estate owned
$0Goodwill and other intangibles
$95,632Life insurance assets
$4,853All other assets
$87,154Total liabilities and capital
$86,261Total liabilities
$70,202Total deposits
$86,261Interest-bearing deposits
$84Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$616Trading liabilities
$0Other borrowed funds
$277Subordinated debt
$8,478All other liabilities
$8,478Total equity capital
$8,478Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$2,000Surplus
$6,478Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$640Income earned, not collected on loans
$0Earning assets
$792Long-term assets (5+ years)
$85,481Average Assets, year-to-date
$16,303Average Assets, quarterly
$90,483Volatile liabilities
$93,057Insider loans
$56,581FHLB advances
$96,115Loans and leases held for sale
$2,745Unused loan commitments
$1,675Tier 1 (core) risk-based capital
$8,156Tier 2 risk-based capital
$0Total risk weighted assets
$1,070Total unused commitments
$3,219Restructured Loans and leases
$2,401Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$3,756Total interest income
$636Total interest expense
$3,120Net interest income
$0Provision for loan and lease losses
$971Total noninterest income
$114Fiduciary activities
$488Service charges on deposit accounts
$0Trading account gains & fees
$369Additional noninterest income
$3,490Total noninterest expense
$1,801Salaries and employee benefits
$773Premises and equipment expense
$916Additional noninterest expense
$601Pre-tax net operating income
$21Securities gains (losses)
$0Applicable income taxes
$622Income before extraordinary items
$0Extraordinary gains - net
$622Net income attributable to bank
$0Net charge-offs
$622Cash dividends
$214Sale, conversion, retirement of capital stock, net
$175Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.67%Yield on earning assets
0.79%Cost of funding earning assets
3.88%Net interest margin
1.21%Noninterest income to earning assets
4.34%Noninterest expense to earning assets
0.66%Net operating income to assets
0.69%Return on assets (ROA)
0.69%Pretax return on assets
7.65%Return on equity (ROE)
5.50%Retained earnings to average equity (YTD only)
0.46%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
2.81%Efficiency ratio
85,309Assets per employee
2.90%Cash dividends to net income (YTD only)
Condition Ratios (%)
28.14%Loss allowance to loans
1.86%Loss allowance to noncurrent loans
127.50%Noncurrent assets plus other real estate owned to assets
0.73%Noncurrent loans to loans
1.46%Net loans and leases to deposits
50.03%Net loans and leases to core deposits
51.49%Equity capital to assets
8.87%Core capital (leverage) ratio
8.49%Tier 1 risk-based capital ratio
14.41%Total risk-based capital ratio
Memoranda
$16Average assets
$90,483Average earning assets
$8,130Average equity
$80,491Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$13,796Managed Assets
1Number of Accounts
$5,707Personal trust and agency accounts
$5,707Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
108Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$8,089Other retirement accounts
$0Corporate trust and agency accounts
$1,436Other fiduciary accounts
$5,689Fiduciary accounts held in foreign offices

List of branches

3 Arkansas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	5564	Merchants And Farmers Bank	500 Highway 65 South, Dumas, AR 71639	May 10, 1909	Full Service Brick and Mortar
2	453960	Downtown Branch	130 West Waterman Street, Dumas, AR 71639	Febuary 06, 2006	Limited Service Facility
3	522230	Merchants And Farmers Bryant Loan Pr	4500 Highway 5 North, Suite 6, Bryant, AR 72022	September 06, 2011	Limited Service Loan Production

Merchants and Farmers Bank in Dumas, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

Merchants and Farmers Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

Merchants and Farmers Bank in Dumas, Arkansas (AR)Overview, Financial Summary, Detailed Financial Reports, Branches

Merchants and Farmers Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

Merchants and Farmers Bank in Dumas, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches