First Farmers & Merchants Bank, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

First Farmers & Merchants Bank is a premier community bank focusing on agricultural and small business lending. Checking service charge free if less than the minimum checks are written per month. Monthly maintenance fee and per item fees are assessed on accounts which exceed the minimum.

Consumer loans, installment or single payment are available, for many purposes such as vehicle purchase, consumer goods, home improvement, debt consolidation, medical or tax liabilities, vacation, and much more. First Farmers & Merchants Bank offers commercial and agriculture loans.

Fairmont Office
114 South Park Street
P.O. Box 411
Fairmont, MN 56031
(507) 235-5556
Fax: (507) 235-5630

Lobby Hours
9:00 a.m.-5:00 p.m. Mon., Tues., Wed., Thurs.
9:00 a.m.-5:30 p.m. Fri.
Drive Up Hours
8:00 a.m.-5:30 p.m. Mon.-Fri.
8:30 a.m.-11:30 a.m. Sat.