Farmers and Mechanics Federal Savings Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.7 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.1, driven by a liquidity ratio of 17.7 percent and a “hot money” ratio of 19.1 percent. Fair current capitalization (4.8 on a scale of 0 to 10) based on a risk-based capital ratio of 12.2 and a capital leverage ratio of 6.8.
Asset Mix:
Home mtgs (38%), securities (31%), comm loans (9%), cash (9%), comm re (4%), home eq lns (2%), consumer loans (1%), other (7%)
States with Branches:
IN
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Investment Rating
--
Address
225 East Main Street
Bloomfield, IN 47424
Bloomfield, IN 47424
Phone Number
(812) 384-4473
Year Founded
1892
FDIC Number
Website
Largest Affiliates
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