| Weiss Ratings |
Farmers and Merchants Bank
Lafayette, AL |
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| Rating | ||||
| Asset Quality Index | 8.20 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 4.00 | |||
| Profitability Index | 4.40 | |||
| Stability Index | 3.00 | |||
| Company Info |
Farmers and Merchants Bank
Lafayette, AL |
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| FDIC Number | 13887 | |||
| Phone Number | (334) 864-9941 | |||
| Website | www.fmlafayette.com | |||
| Asset Quality |
Farmers and Merchants Bank
Lafayette, AL |
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| 1-Year Asset Growth | 4.09% | |||
| 5-Year Asset Growth | 13.40% | |||
| 5-Year Charge-Offs to Average Loans | 0.13% | |||
| Charge-Offs to Average Loans | -0.02% | |||
| Non-Performing Assets to Assets | 0.34% | |||
| Non-Performing Loans to Capital | 2.93% | |||
| Non-Performing Loans to Loans | 0.82% | |||
| Balance Sheet |
Farmers and Merchants Bank
Lafayette, AL |
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| Total Assets | 283.74M | |||
| Total Deposits | 258.93M | |||
| Capital and Reserves |
Farmers and Merchants Bank
Lafayette, AL |
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| Capital | 16.50M | |||
| Leverage Ratio | 11.26 | |||
| Loan Loss Reserves to Loans | 1.08% | |||
| Risk-Based Capital Ratio | 17.93 | |||
| Liquidity |
Farmers and Merchants Bank
Lafayette, AL |
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| Hot Money Ratio | 25.06% | |||
| Liquidity Ratio | 25.27% | |||
| Profitability |
Farmers and Merchants Bank
Lafayette, AL |
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| 5-Year Return on Average Assets | 1.07% | |||
| Net Income | 652.00K | |||
| Net Interest Spread | 2.90% | |||
| Operating Profit to Average Assets | 1.13% | |||
| Overhead Efficiency Ratio | 60.62% | |||
| Return on Assets | 0.91% | |||
| Return on Equity | 16.92% | |||