| Weiss Ratings |
Mechanics & Farmers Bank
Durham, NC |
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| Rating | ||||
| Asset Quality Index | 6.60 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 2.80 | |||
| Profitability Index | 3.80 | |||
| Stability Index | 7.50 | |||
| Company Info |
Mechanics & Farmers Bank
Durham, NC |
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| FDIC Number | 12266 | |||
| Phone Number | (919) 687-7803 | |||
| Website | www.mfbonline.com | |||
| Asset Quality |
Mechanics & Farmers Bank
Durham, NC |
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| 1-Year Asset Growth | -3.50% | |||
| 5-Year Asset Growth | 11.02% | |||
| 5-Year Charge-Offs to Average Loans | 0.12% | |||
| Charge-Offs to Average Loans | 0.75% | |||
| Non-Performing Assets to Assets | 0.98% | |||
| Non-Performing Loans to Capital | 5.04% | |||
| Non-Performing Loans to Loans | 2.92% | |||
| Balance Sheet |
Mechanics & Farmers Bank
Durham, NC |
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| Total Assets | 475.99M | |||
| Total Deposits | 402.17M | |||
| Capital and Reserves |
Mechanics & Farmers Bank
Durham, NC |
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| Capital | 67.80M | |||
| Leverage Ratio | 15.10 | |||
| Loan Loss Reserves to Loans | 1.43% | |||
| Risk-Based Capital Ratio | 25.97 | |||
| Liquidity |
Mechanics & Farmers Bank
Durham, NC |
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| Hot Money Ratio | 32.92% | |||
| Liquidity Ratio | 33.76% | |||
| Profitability |
Mechanics & Farmers Bank
Durham, NC |
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| 5-Year Return on Average Assets | 0.93% | |||
| Net Income | 1.65M | |||
| Net Interest Spread | 4.06% | |||
| Operating Profit to Average Assets | 0.85% | |||
| Overhead Efficiency Ratio | 76.23% | |||
| Return on Assets | 0.67% | |||
| Return on Equity | 4.85% | |||