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 (1.5 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 2.9, driven by a liquidity ratio of 16.3 percent and a “hot money” ratio of 18.8 percent. Fair current capitalization (4.7 on a scale of 0 to 10) based on a risk-based capital ratio of 11.0 and a capital leverage ratio of 6.7.
Asset Mix:
Home mtgs (35%), securities (31%), comm re (8%), comm loans (7%), cash (7%), home eq lns (1%), consumer loans (1%), other (10%)
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
No affiliate information available.