| Weiss Ratings |
Farmers and Merchants Bank
Lafayette, AL |
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| Rating | ||||
| Asset Quality Index | 6.80 | |||
| Capitalization Index | 9.60 | |||
| Liquidity Index | 3.90 | |||
| Profitability Index | 4.20 | |||
| Stability Index | 3.20 | |||
| 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 | 6.56% | |||
| 5-Year Asset Growth | 13.40% | |||
| 5-Year Charge-Offs to Average Loans | 0.13% | |||
| Charge-Offs to Average Loans | 0.00% | |||
| Non-Performing Assets to Assets | 0.39% | |||
| Non-Performing Loans to Capital | 3.36% | |||
| Non-Performing Loans to Loans | 0.93% | |||
| Balance Sheet |
Farmers and Merchants Bank
Lafayette, AL |
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| Total Assets | 289.52M | |||
| Total Deposits | 263.82M | |||
| Capital and Reserves |
Farmers and Merchants Bank
Lafayette, AL |
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| Capital | 17.34M | |||
| Leverage Ratio | 10.70 | |||
| Loan Loss Reserves to Loans | 1.09% | |||
| Risk-Based Capital Ratio | 17.55 | |||
| Liquidity |
Farmers and Merchants Bank
Lafayette, AL |
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| Hot Money Ratio | 24.43% | |||
| Liquidity Ratio | 24.84% | |||
| Profitability |
Farmers and Merchants Bank
Lafayette, AL |
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| 5-Year Return on Average Assets | 1.04% | |||
| Net Income | 1.45M | |||
| Net Interest Spread | 2.93% | |||
| Operating Profit to Average Assets | 1.16% | |||
| Overhead Efficiency Ratio | 57.71% | |||
| Return on Assets | 0.94% | |||
| Return on Equity | 17.93% | |||