The Farmers and Merchants Bank in Fort Branch, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 14, 1997

The Farmers and Merchants Bank in Fort Branch, Indiana (IN)
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The Farmers and Merchants Bank - Overview

General
FDIC Certificate #: 4395
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Integra Bank National Association (#4392)
Federal Reserve ID: 290548
Date Established: June 22, 1896
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 2896
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: June 14, 1997
Last Structure Change Process Date: June 23, 1997
Last Data Update: June 23, 1997
Data Source Date: April 05, 2012
Location
Address: 801 East Mulberry Street, Fort Branch, IN 47648
County: Gibson
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Indianapolis
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Core Based Statistical Area (CBSA): Evansville, IN-KY (#21780)
CBSA Metro Statistical Area: Evansville, IN-KY (#21780)
Financial Summary
Total assets: $35.6 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

Dollar figures in thousands
0Total employees (full-time equivalent)
$13Total assets
$40,665Cash and due from depository institutions
$1,695Interest-bearing balances
$0Securities
$12,048Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$25,521Loan loss allowance
$294Trading account assets
$0Bank premises and fixed assets
$411Other real estate owned
$0Goodwill and other intangibles
$990Life insurance assets
$0All other assets
$0Total liabilities and capital
$40,665Total liabilities
$37,015Total deposits
$33,804Interest-bearing deposits
$29,327Deposits held in domestic offices
33804.00%% insured (estimated)
$85Federal funds purchased & repurchase agreements
$2,900Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$311Total equity capital
$311Total bank equity capital
$3,650Perpetual preferred stock
$0Common stock
$1,350Surplus
$2,000Undivided profits
Memoranda
$300Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$10Income earned, not collected on loans
$667Earning assets
$37,569Long-term assets (5+ years)
$7,984Average Assets, year-to-date
$39,427Average Assets, quarterly
$41,556Volatile liabilities
$6,422Insider loans
$349FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$5,263Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$3,654Total risk weighted assets
$29,229Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1996)

Dollar figures in thousands
$0Total interest income
$2,964Total interest expense
$1,227Net interest income
$1,737Provision for loan and lease losses
$0Total noninterest income
$107Fiduciary activities
$0Service charges on deposit accounts
$77Trading account gains & fees
$0Additional noninterest income
$30Total noninterest expense
$949Salaries and employee benefits
$556Premises and equipment expense
$115Additional noninterest expense
$278Pre-tax net operating income
$895Securities gains (losses)
$0Applicable income taxes
$305Income before extraordinary items
$590Extraordinary gains - net
$0Net income attributable to bank
$590Net charge-offs
-$2Cash dividends
$1,365Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1996)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.06%Cost of funding earning assets
3.34%Net interest margin
4.73%Noninterest income to earning assets
0.29%Noninterest expense to earning assets
2.58%Net operating income to assets
1.50%Return on assets (ROA)
1.50%Pretax return on assets
2.27%Return on equity (ROE)
14.55%Retained earnings to average equity (YTD only)
-19.11%Net charge-offs to loans
-0.01%Credit loss provision to net charge-offs
0.00%Efficiency ratio
51,464Assets per employee
3.13%Cash dividends to net income (YTD only)
Condition Ratios (%)
231.36%Loss allowance to loans
1.14%Loss allowance to noncurrent loans
2940.00%Noncurrent assets plus other real estate owned to assets
0.02%Noncurrent loans to loans
0.04%Net loans and leases to deposits
75.50%Net loans and leases to core deposits
84.28%Equity capital to assets
8.98%Core capital (leverage) ratio
8.50%Tier 1 risk-based capital ratio
12.50%Total risk-based capital ratio
Memoranda
$14Average assets
$39,427Average earning assets
$4,055Average equity
$36,756Average loans

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