| Weiss Ratings |
Farmers & Merchants Bank
Waterloo, AL |
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| Rating | ||||
| Asset Quality Index | 10.00 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 6.20 | |||
| Profitability Index | 1.90 | |||
| Stability Index | 5.60 | |||
| Company Info |
Farmers & Merchants Bank
Waterloo, AL |
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| FDIC Number | 1745 | |||
| Phone Number | (256) 766-2579 | |||
| Website | www.fmbal.com | |||
| Asset Quality |
Farmers & Merchants Bank
Waterloo, AL |
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| 1-Year Asset Growth | 2.41% | |||
| 5-Year Asset Growth | 0.54% | |||
| 5-Year Charge-Offs to Average Loans | -0.32% | |||
| Charge-Offs to Average Loans | 0.04% | |||
| Non-Performing Assets to Assets | 0.00% | |||
| Non-Performing Loans to Capital | 0.39% | |||
| Non-Performing Loans to Loans | 0.00% | |||
| Balance Sheet |
Farmers & Merchants Bank
Waterloo, AL |
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| Total Assets | 98.28M | |||
| Total Deposits | 86.47M | |||
| Capital and Reserves |
Farmers & Merchants Bank
Waterloo, AL |
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| Capital | 11.29M | |||
| Leverage Ratio | 17.03 | |||
| Loan Loss Reserves to Loans | 3.51% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Farmers & Merchants Bank
Waterloo, AL |
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| Hot Money Ratio | 38.58% | |||
| Liquidity Ratio | 59.93% | |||
| Profitability |
Farmers & Merchants Bank
Waterloo, AL |
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| 5-Year Return on Average Assets | -0.10% | |||
| Net Income | 290.00K | |||
| Net Interest Spread | 1.55% | |||
| Operating Profit to Average Assets | 0.47% | |||
| Overhead Efficiency Ratio | 69.75% | |||
| Return on Assets | 0.55% | |||
| Return on Equity | 5.16% | |||