| Weiss Ratings |
Farmers and Merchants Bank
Lafayette, AL |
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| Rating | ||||
| Asset Quality Index | 6.90 | |||
| Capitalization Index | 9.60 | |||
| Liquidity Index | 4.00 | |||
| Profitability Index | 4.60 | |||
| Stability Index | 3.40 | |||
| 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 | 7.69% | |||
| 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 | 0.35% | |||
| Non-Performing Loans to Capital | 3.01% | |||
| Non-Performing Loans to Loans | 0.82% | |||
| Balance Sheet |
Farmers and Merchants Bank
Lafayette, AL |
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| Total Assets | 297.22M | |||
| Total Deposits | 268.60M | |||
| Capital and Reserves |
Farmers and Merchants Bank
Lafayette, AL |
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| Capital | 20.19M | |||
| Leverage Ratio | 10.72 | |||
| Loan Loss Reserves to Loans | 1.13% | |||
| Risk-Based Capital Ratio | 18.13 | |||
| Liquidity |
Farmers and Merchants Bank
Lafayette, AL |
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| Hot Money Ratio | 25.37% | |||
| Liquidity Ratio | 26.37% | |||
| Profitability |
Farmers and Merchants Bank
Lafayette, AL |
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| 5-Year Return on Average Assets | 1.04% | |||
| Net Income | 2.22M | |||
| Net Interest Spread | 2.98% | |||
| Operating Profit to Average Assets | 1.18% | |||
| Overhead Efficiency Ratio | 57.81% | |||
| Return on Assets | 0.95% | |||
| Return on Equity | 17.36% | |||