Home > Merchants and Farmers Bank > Assets and Liabilities
Merchants and Farmers Bank, Assets and Liabilities
| 1997-12-31 | Rank | |
| # of Employees: | 51 | 3,533 |
| Assets and Liabilities | ||
| Total Assets: | $116,121,000 | 3,781 |
| Cash and due from depository institutions | $6,418,000 | 3,533 |
| Interest-bearing balances | $1,105,000 | 2,342 |
| Securities | $33,640,000 | 3,293 |
| Federal funds sold & reverse repurchase agreements | $2,000,000 | 4,941 |
| Net loans & leases | $70,263,000 | 3,820 |
| Loan loss allowance | $1,605,000 | 2,202 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $1,413,000 | 4,915 |
| Other real estate owned | $69,000 | 3,533 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $2,318,000 | 3,063 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $116,121,000 | 3,781 |
| Total liabilities | $106,773,000 | 3,694 |
| Total deposits | $105,782,000 | 3,489 |
| Interest-bearing deposits | $87,471,000 | 3,653 |
| Deposits held in domestic offices | $105,782,000 | 3,481 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,723 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $0 | 5,103 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $991,000 | 3,599 |
| Total equity capital | $9,348,000 | 4,563 |
| Total bank equity capital | $9,348,000 | 4,563 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $500,000 | 4,817 |
| Surplus | $1,000,000 | 7,315 |
| Undivided profits | $7,848,000 | 3,149 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $599,000 | 3,609 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $1,240,000 | 1,805 |
| Earning assets | $107,008,000 | 3,778 |
| Long-term assets (5+ years) | $9,016,000 | 4,590 |
| Average Assets, year-to-date | $115,403,600 | 3,638 |
| Average Assets, quarterly | $114,842,000 | 3,771 |
| Volatile liabilities | $16,495,000 | 3,498 |
| Insider loans | $5,199,000 | 792 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $5,844,000 | 4,815 |
| Tier 1 (core) risk-based capital | $9,245,000 | 4,464 |
| Tier 2 risk-based capital | $979,920 | 2,986 |
| Total risk weighted assets | $77,768,720 | 3,495 |
| Total unused commitments | $5,844,000 | 4,820 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 58 | 3,258 |
| Assets and Liabilities | ||
| Total Assets: | $123,290,000 | 3,653 |
| Cash and due from depository institutions | $8,282,000 | 3,258 |
| Interest-bearing balances | $1,987,000 | 1,655 |
| Securities | $39,257,000 | 3,085 |
| Federal funds sold & reverse repurchase agreements | $5,875,000 | 2,240 |
| Net loans & leases | $66,082,000 | 4,043 |
| Loan loss allowance | $822,000 | 4,127 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $1,430,000 | 4,852 |
| Other real estate owned | $158,000 | 3,258 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $2,206,000 | 3,309 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $123,290,000 | 3,653 |
| Total liabilities | $113,838,000 | 3,570 |
| Total deposits | $113,073,000 | 3,379 |
| Interest-bearing deposits | $93,217,000 | 3,495 |
| Deposits held in domestic offices | $113,073,000 | 3,368 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,907 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $0 | 5,299 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $765,000 | 4,344 |
| Total equity capital | $9,452,000 | 4,543 |
| Total bank equity capital | $9,452,000 | 4,543 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $500,000 | 5,112 |
| Surplus | $1,000,000 | 7,558 |
| Undivided profits | $7,952,000 | 3,072 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,483,000 | 1,949 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $984,000 | 2,288 |
| Earning assets | $113,201,000 | 3,647 |
| Long-term assets (5+ years) | $11,336,000 | 3,908 |
| Average Assets, year-to-date | $117,441,600 | 3,665 |
| Average Assets, quarterly | $119,428,000 | 3,705 |
| Volatile liabilities | $14,353,000 | 3,736 |
| Insider loans | $5,790,000 | 745 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $4,710,000 | 5,249 |
| Tier 1 (core) risk-based capital | $9,401,000 | 4,465 |
| Tier 2 risk-based capital | $822,000 | 3,554 |
| Total risk weighted assets | $78,195,300 | 3,486 |
| Total unused commitments | $4,710,000 | 5,259 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 53 | 3,656 |
| Assets and Liabilities | ||
| Total Assets: | $119,283,000 | 3,754 |
| Cash and due from depository institutions | $11,013,000 | 3,656 |
| Interest-bearing balances | $5,335,000 | 885 |
| Securities | $31,710,000 | 3,901 |
| Federal funds sold & reverse repurchase agreements | $10,125,000 | 1,406 |
| Net loans & leases | $62,720,000 | 4,105 |
| Loan loss allowance | $834,000 | 4,099 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $1,479,000 | 4,705 |
| Other real estate owned | $0 | 3,656 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $2,236,000 | 3,298 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $119,283,000 | 3,754 |
| Total liabilities | $110,554,000 | 3,667 |
| Total deposits | $109,805,000 | 3,489 |
| Interest-bearing deposits | $92,292,000 | 3,564 |
| Deposits held in domestic offices | $109,805,000 | 3,481 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,736 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $0 | 5,136 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $749,000 | 4,629 |
| Total equity capital | $8,729,000 | 4,850 |
| Total bank equity capital | $8,729,000 | 4,850 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $500,000 | 5,383 |
| Surplus | $1,000,000 | 7,725 |
| Undivided profits | $7,229,000 | 3,391 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,461,000 | 1,932 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $1,223,000 | 1,844 |
| Earning assets | $109,890,000 | 3,734 |
| Long-term assets (5+ years) | $11,023,000 | 3,791 |
| Average Assets, year-to-date | $104,102,600 | 4,096 |
| Average Assets, quarterly | $112,327,500 | 3,918 |
| Volatile liabilities | $14,557,000 | 3,427 |
| Insider loans | $6,209,000 | 715 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $3,510,000 | 5,929 |
| Tier 1 (core) risk-based capital | $8,641,000 | 4,764 |
| Tier 2 risk-based capital | $834,000 | 3,458 |
| Total risk weighted assets | $73,482,400 | 3,592 |
| Total unused commitments | $3,510,000 | 5,941 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 53 | 3,774 |
| Assets and Liabilities | ||
| Total Assets: | $96,431,000 | 4,517 |
| Cash and due from depository institutions | $5,256,000 | 3,774 |
| Interest-bearing balances | $360,000 | 3,778 |
| Securities | $31,024,000 | 4,150 |
| Federal funds sold & reverse repurchase agreements | $3,800,000 | 2,308 |
| Net loans & leases | $52,534,000 | 4,716 |
| Loan loss allowance | $816,000 | 4,267 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $1,600,000 | 4,402 |
| Other real estate owned | $0 | 3,774 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $2,217,000 | 3,507 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $96,431,000 | 4,517 |
| Total liabilities | $89,130,000 | 4,449 |
| Total deposits | $88,627,000 | 4,246 |
| Interest-bearing deposits | $71,043,000 | 4,507 |
| Deposits held in domestic offices | $88,627,000 | 4,235 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,788 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $0 | 5,375 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $503,000 | 5,178 |
| Total equity capital | $7,301,000 | 5,316 |
| Total bank equity capital | $7,301,000 | 5,316 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $500,000 | 5,677 |
| Surplus | $1,000,000 | 7,908 |
| Undivided profits | $5,801,000 | 3,744 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,310,000 | 2,158 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $751,000 | 2,717 |
| Earning assets | $87,718,000 | 4,536 |
| Long-term assets (5+ years) | $9,723,000 | 4,185 |
| Average Assets, year-to-date | $96,393,400 | 4,423 |
| Average Assets, quarterly | $96,348,500 | 4,486 |
| Volatile liabilities | $13,460,000 | 3,487 |
| Insider loans | $4,168,000 | 1,001 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $1,025,000 | 9,065 |
| Tier 1 (core) risk-based capital | $7,992,000 | 5,005 |
| Tier 2 risk-based capital | $790,910 | 3,603 |
| Total risk weighted assets | $63,247,610 | 4,046 |
| Total unused commitments | $1,025,000 | 9,075 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 52 | 3,986 |
| Assets and Liabilities | ||
| Total Assets: | $106,453,000 | 4,218 |
| Cash and due from depository institutions | $12,810,000 | 3,986 |
| Interest-bearing balances | $99,000 | 6,563 |
| Securities | $32,497,000 | 4,202 |
| Federal funds sold & reverse repurchase agreements | $7,925,000 | 1,760 |
| Net loans & leases | $49,923,000 | 4,794 |
| Loan loss allowance | $970,000 | 3,800 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $1,710,000 | 4,179 |
| Other real estate owned | $15,000 | 3,986 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $1,573,000 | 4,254 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $106,453,000 | 4,218 |
| Total liabilities | $98,830,000 | 4,117 |
| Total deposits | $98,420,000 | 3,959 |
| Interest-bearing deposits | $72,636,000 | 4,604 |
| Deposits held in domestic offices | $98,420,000 | 3,951 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,944 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,027 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $410,000 | 6,178 |
| Total equity capital | $7,623,000 | 5,209 |
| Total bank equity capital | $7,623,000 | 5,209 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $500,000 | 5,937 |
| Surplus | $1,000,000 | 8,047 |
| Undivided profits | $6,123,000 | 3,715 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $896,000 | 3,428 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $560,000 | 3,298 |
| Earning assets | $90,444,000 | 4,523 |
| Long-term assets (5+ years) | $9,339,000 | 4,547 |
| Average Assets, year-to-date | $96,151,200 | 4,505 |
| Average Assets, quarterly | $98,829,000 | 4,452 |
| Volatile liabilities | $13,330,000 | 3,289 |
| Insider loans | $8,396,000 | 498 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $920,000 | 9,431 |
| Tier 1 (core) risk-based capital | $7,623,000 | 5,132 |
| Tier 2 risk-based capital | $771,880 | 3,632 |
| Total risk weighted assets | $61,551,880 | 4,084 |
| Total unused commitments | $920,000 | 9,457 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 51 | 4,156 |
| Assets and Liabilities | ||
| Total Assets: | $99,970,000 | 4,520 |
| Cash and due from depository institutions | $10,403,000 | 4,156 |
| Interest-bearing balances | $97,000 | 7,343 |
| Securities | $30,355,000 | 4,410 |
| Federal funds sold & reverse repurchase agreements | $9,350,000 | 1,763 |
| Net loans & leases | $48,065,000 | 4,950 |
| Loan loss allowance | $800,000 | 4,489 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $446,000 | 9,291 |
| Other real estate owned | $100,000 | 4,156 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $1,251,000 | 5,324 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $99,970,000 | 4,520 |
| Total liabilities | $92,566,000 | 4,480 |
| Total deposits | $92,103,000 | 4,337 |
| Interest-bearing deposits | $77,336,000 | 4,485 |
| Deposits held in domestic offices | $92,103,000 | 4,329 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,085 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $463,000 | 6,151 |
| Total equity capital | $7,404,000 | 5,133 |
| Total bank equity capital | $7,404,000 | 5,133 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $500,000 | 6,257 |
| Surplus | $1,000,000 | 8,050 |
| Undivided profits | $5,904,000 | 3,668 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $569,000 | 5,233 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $641,000 | 3,143 |
| Earning assets | $87,867,000 | 4,703 |
| Long-term assets (5+ years) | $9,372,000 | 4,529 |
| Average Assets, year-to-date | $96,826,600 | 4,560 |
| Average Assets, quarterly | $98,259,000 | 4,567 |
| Volatile liabilities | $14,161,000 | 3,111 |
| Insider loans | $6,429,000 | 65 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $0 | 12,570 |
| Tier 1 (core) risk-based capital | $7,404,000 | 5,065 |
| Tier 2 risk-based capital | $726,240 | 3,844 |
| Total risk weighted assets | $58,025,240 | 4,349 |
| Total unused commitments | $0 | 12,572 |
| Derivatives | $0 | 651 |