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Farmers & Merchants Bancorp Reports 2015 Third-Quarter and Nine Month Financial Results


News provided by

Farmers & Merchants Bancorp, Inc.

Oct 28, 2015, 02:27 ET

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ARCHBOLD, Ohio, Oct. 28, 2015 /PRNewswire/ -- Farmers & Merchants Bancorp, Inc. (OTCQX: FMAO) today reported financial results for the 2015 third quarter and nine months ended September 30, 2015.

2015 Third Quarter Financial Highlights Include (on a year-over-year basis unless noted):

  • 50 consecutive quarters of profitability
  • Net interest income after provision for loan losses declined by 0.4% to $7,266,000
  • Net income increased 5.9% to $2,620,000, and year-to-date improved 8.3% to $7,568,000
  • Earnings per basic and diluted share increased 5.6% to $0.57, and year-to-date improved 8.6% to $1.64
  • Noninterest income improved 2.4% to $2,827,000
  • Noninterest expenses declined by 1.0%
  • Tangible equity increased 4.5% from December 31, 2014
  • Construction of Ft. Wayne, Indiana branch is on track for a 2016 spring opening

Paul S. Siebenmorgen, President and Chief Executive Officer, stated, "Loans, assets, and net income all increased during the 2015 third quarter, while we controlled noninterest expenses.  We have a strong pipeline of loans, but converting this pipeline into earnings assets has taken longer than expected.  Despite this delay in closing loans, our loan portfolio increased 2.4% from June 30, 2015 and is up 4.4% from September 30, 2014.  We are cautiously optimistic our closing rate will improve in the coming quarters and will result in an accelerating pace of loan growth.  With this said, we remain committed to strict underwriting standards that manage risk while producing adequate returns for our shareholders.  Our asset quality levels remain strong with nonperforming assets to total assets at September 30, 2015 of less than 0.4% and our provision for loan losses declined 13.8% to $243,000 in the 2015 third quarter.  As a result of our strong asset quality, low cost of funds, and controlled operating expenses, F&M grew earnings 5.6% to $0.57 per diluted share in the quarter. Looking ahead, we are excited about a number of banking products and services that will be available to customers during the fourth quarter and into next year." 

Income Statement
Net income for the 2015 third quarter ended September 30, 2015 was $2,620,000, or $0.57 per basic and diluted share compared to $2,474,000, or $0.54 per basic and diluted share for the same period last year. The 5.9% improvement in net income for the 2015 third quarter was primarily due to a 2.4% increase in noninterest income, a 1.0% decline in noninterest expense, offset by slightly lower net interest income. 

Net income for the 2015 nine months was $7,568,000, or $1.64 per basic and diluted share compared to $6,985,000, or $1.51 per basic and diluted share for the nine months ended September 30, 2014.  The 8.3% improvement in net income for the 2015 nine month period was primarily due to a 6.4% increase in noninterest income, and a 5.2% reduction in interest expense.  Total interest income for the 2015 nine month period, compared with the same period last year, was basically flat, and noninterest expenses increased 3.3%.

Loan Portfolio and Asset Quality
Total loans at September 30, 2015 were $635,239,000, compared to $621,926,000 at December 31, 2014, and $608,604,000 at September 30, 2014.  Total loans for the 2015 third quarter compared with the same period last year increased 4.4%, and since the beginning of the year are up 2.1%.  The year-over-year improvement resulted primarily from a 10.1% increase in commercial real estate loans, an 8.9% increase in agricultural loans, and a 12.8% increase in agricultural real estate loans, offset by a 9.7% reduction in consumer real estate loans and a 9.2% reduction in commercial and industrial loans. 

Asset quality remains strong as the company's provision for loan losses for the 2015 third quarter was $243,000, a 13.8% reduction from the 2014 third quarter.  The provision for loan losses for the 2015 nine month was $540,000, a 53.2% reduction from the same period a year ago.  The allowance for loan losses to nonperforming loans was 266.7% at September 30, 2015, compared to 362.1% at September 30, 2014.  Year-to-date, net charge-offs were $280,000, or 0.04% of total loans, compared to $432,000 or 0.07% of total loans, at September 30, 2014.  

Stockholders' Equity and Dividends
Tangible stockholders' equity increased to $115,419,000 as of September 30, 2015, compared to $109,034,000 at December 31, 2014 and $107,948,000 at September 30, 2014.  On a per share basis, tangible stockholders' equity at September 30, 2015 was $24.21 compared with $23.56 at December 31, 2014 and $23.00 at September 30, 2014. The increase tangible stockholders' equity is the result of growth in retained earnings due to increased profitability. At September 30, 2015, the company had a Tier 1 leverage ratio of 12.04%, up from 11.90% at September 30, 2014.

For the 2015 nine months, the company has declared cash dividends of $0.65 per share, which represents a dividend payout ratio of 39.6% and includes a $0.01 per share, or 4.8% increase in the quarterly dividend rate in the 2015 third quarter compared with the same period last year.

Mr. Siebenmorgen concluded, "According to the FDIC's recently released annual deposit market share study, as of June 30, 2015, F&M continued to achieve the number one position in market share in the six Northwest Ohio counties where we are located.  The Sylvania, Ohio office we opened in 2014 is performing well and providing new growth opportunities, meanwhile construction is underway on our Ft. Wayne, Indiana office which is expected to be completed by the end of first quarter 2016.  We continue to enhance the way customers interact with the bank and I am pleased to report that mobile transactions have increased 17.2% year-to-date as more customers choose to interact with the bank using their mobile devices.  As we enter the final quarter of 2015, we are cautiously optimistic 2015 will be another good year for F&M." 

About Farmer & Merchants State Bank:
The Farmers & Merchants State Bank is a local independent community bank that has been serving Northwest Ohio and Northeast Indiana since 1897. The Farmers & Merchants State Bank provides commercial banking, retail banking and other financial services through its 22 offices, with expansion underway in the greater Ft. Wayne, Indiana market. Our locations are in Fulton, Defiance, Henry, Lucas, Williams, and Wood counties in northwest Ohio. In Northeast Indiana we have offices located in DeKalb and Steuben counties.

Safe harbor statement
Farmers & Merchants Bancorp, Inc. ("F&M") wishes to take advantage of the Safe Harbor provisions included in the Private Securities Litigation Reform Act of 1995. Statements by F&M, including management's expectations and comments, may not be based on historical facts and are "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21B of the Securities Act of 1934, as amended. Actual results could vary materially depending on risks and uncertainties inherent in general and local banking conditions, competitive factors specific to markets in which F&M and its subsidiaries operate, future interest rate levels, legislative and regulatory decisions or capital market conditions. F&M assumes no responsibility to update this information. For more details, please refer to F&M's SEC filing, including its most recent Annual Report on Form 10-K and quarterly reports on Form 10-Q. Such filings can be viewed at the SEC's website, www.sec.gov.

 

FARMERS & MERCHANTS BANCORP, INC. AND SUBSIDIARIES

CONDENSED CONSOLIDATED STATEMENTS OF INCOME & COMPREHENSIVE INCOME

(Unaudited)

 



Condensed Consolidated Statement of Income & Comprehensive Income



(in thousands of dollars, except per share data)



Three  Months Ended 


Nine  Months Ended 



September 30, 2015

September 30, 2014


September 30, 2015

September 30, 2014


Interest Income







Loans, including fees

$                    7,341

$                    7,108


$                  21,598

$                  20,762


Debt securities:







U.S. Treasury and government agency

603

811


1,819

2,482


Municipalities 

456

512


1,361

1,559


Dividends

37

36


111

119


Federal funds sold

2

3


7

4


Other

5

1


21

8


Total interest income

8,444

8,471


24,917

24,934


Interest Expense







Deposits

841

832


2,446

2,615


Federal funds purchased and securities sold 







under agreements to repurchase

94

63


218

190


Borrowed funds

-

-


-

4


Total interest expense

935

895


2,664

2,809


Net Interest Income - Before provision for loan losses

7,509

7,576


22,253

22,125


Provision for Loan Losses  

243

282


540

1,154


Net Interest Income After Provision







For Loan Losses

7,266

7,294


21,713

20,971


Noninterest Income







Customer service fees

1,388

1,317


4,171

3,841


Other service charges and fees

1,084

1,047


2,963

2,767


Net gain on sale of loans 

183

205


531

497


Net gain on sale of available-for-sale securities

172

192


418

494


Total noninterest income

2,827

2,761


8,083

7,599


Noninterest Expense







Salaries and Wages

2,714

2,638


8,083

7,529


Employee benefits

804

927


2,555

2,492


Net occupancy expense

289

267


1,012

842


Furniture and equipment

475

439


1,324

1,232


Data processing

318

305


967

943


Franchise taxes

186

195


560

586


Net loss on sale of other assets owned

32

95


43

153


FDIC Assessment

126

126


364

388


Mortgage servicing rights amortization 

93

92


276

258


Other general and administrative

1,475

1,495


4,274

4,405


Total noninterest expense

6,512

6,579


19,458

18,828


Income Before Income Taxes

3,581

3,476


10,338

9,742


Income Taxes

961

1,002


2,770

2,757


Net Income

2,620

2,474


7,568

6,985


Other Comprehensive Income (Loss)(Net of Tax):







Net unrealized gain (loss) on available-for-sale securities

1,210

(117)


1,116

446


Reclassification adjustment for gain on sale of
     available-for-sale securities

(172)

(192)


(418)

(494)


Net unrealized gain (loss) on available-for-sale securities

1,038

(309)


698

(48)


Tax effect

353

(105)


237

(16)


Other Comprehensive Income (Loss)

685

(204)


461

(32)









Comprehensive Income

$                   3,305

$                   2,270


$                   8,029

$                   6,953


Earnings Per Share - Basic and Diluted

$                     0.57

$                     0.54


$                     1.64

$                     1.51


Weighted Average Shares Outstanding

4,615,379

4,621,298


4,615,689

4,628,429


Dividends Declared 

$                     0.22

$                     0.21


$                     0.65

$                     0.63









 

FINANCIAL STATEMENTS

FARMERS & MERCHANTS BANCORP, INC. AND SUBSIDIARIES

CONDENSED CONSOLIDATED BALANCE SHEETS

 





Condensed Consolidated Balance Sheets





(in thousands of dollars)











September 30, 2015

December 31, 2014





(Unaudited)


Assets





          Cash and due from banks



$                      30,352

$                  22,246

          Federal Funds Sold



866

2,049


       Total cash and cash equivalents


31,218

24,295







          Securities - available-for-sale 



244,786

248,492

          Other Securities, at cost



3,717

3,717

          Loans, net



629,074

616,021

          Premises and equipment



20,107

20,300

          Goodwill



4,074

4,074

          Mortgage Servicing Rights



2,045

2,023

          Other Real Estate Owned 



1,133

1,094

          Other assets 



21,368

21,197







Total Assets



$                    957,522

$                941,213

Liabilities and Stockholders' Equity




Liabilities





          Deposits 






   Noninterest-bearing



$                    161,978

$                164,009


   Interest-bearing






     NOW accounts 



188,362

179,862


     Savings



226,318

223,189


     Time



191,384

195,500








Total deposits



768,042

762,560







          Federal funds purchased and securities




               sold under agreements to repurchase


61,504

55,962

          Dividend payable



1,009

965

          Accrued expenses and other liabilities


7,474

7,233








Total liabilities



838,029

826,720







Commitments and Contingencies











Stockholders' Equity





          Common stock - No par value - 6,500,000 shares





      authorized 5,200,000 shares issued


12,976

12,222

          Treasury Stock - 575,647 shares 2015, 572,662 shares 2014

(13,047)

(11,928)

          Retained earnings



118,422

113,755

          Accumulated other comprehensive income


1,142

444








                 Total stockholders' equity 



119,493

114,493







Total Liabilities and Stockholders' Equity


$                    957,522

$                941,213








For the Three Months Ended


For the Nine Months Ended


September 30,


September 30,

Selected financial data

2015

2014


2015

2014

Return on average assets

1.10%

1.06%


1.06%

0.98%

Return on average equity

8.87%

8.89%


8.64%

8.49%

Yield on earning assets

3.96%

3.99%


3.92%

3.97%

Cost of interest bearing liabilities

0.57%

0.52%


0.54%

0.52%

Net interest spread

3.39%

3.47%


3.38%

3.45%

Net interest margin

3.53%

3.58%


3.52%

3.53%

Efficiency

64.07%

64.85%


65.04%

64.41%

                                                                                                                           




September 30,


2015


2014

Tier 1 leverage ratio

12.04%


11.90%

Tangible book value per share

$24.21


$23.00

Dividend payout ratio

39.63%


41.72%






September 30,

Loans

2015


2014

(Dollar amounts in thousands)




Commercial real estate

$ 301,841


$ 274,074

Agricultural real estate

$   55,059


$   48,812

Consumer real estate

$   88,222


$   97,651

Commercial and industrial

$   84,371


$   92,926

Agricultural

$   73,193


$   67,221

Consumer

$   26,440


$   23,455

Industrial development bonds

$      6,649


$      4,854

Less: Net deferred loan fees and costs

(536)


(389)

Total loans

$ 635,239


$ 608,604






September 30,

Asset quality data

2015


2014

(Dollar amounts in thousands)




Non-accrual loans

$      2,294


$      1,634

Troubled debt restructuring

$      1,239


$         824

90 day past due and accruing

$           —


$           —

Nonperforming loans

$      2,294


$      1,634

Other real estate owned

$      1,133


$      1,264

Non-performing assets

$      3,427


$      2,898





(Dollar amounts in thousands)




Allowance for loan and lease losses

$      6,165


$      5,916

Allowance for loan and lease losses/total loans

0.97%


0.97%

Net charge-offs:




Quarter-to-date

$              5


$            29

Year-to-date

$          280


$          432

Net charge-offs to average loans




Quarter-to-date

0.00%


0.00%

Year-to-date

0.05%


0.07%

Non-performing loans/total loans

0.36%


0.27%

Allowance for loan and lease losses/nonperforming loans

266.69%


362.07%

SOURCE Farmers & Merchants Bancorp, Inc.

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