Institution Statistics
| Farmers and Merchants Bank | | FDIC Certificate # | 17444 | | BankRate Report | View | | Year Established | 1907 | | Employees | 2 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $8.96 million | | Loans | $1.40 million | | Deposits | $8.29 million | | Equity Capital | $656,000 | | Loan Loss Allowance | $37,000 |
Historic Data - March 2011 | | Assets | $6.79 million | | Equity Capital | $628,000 | | Loan Loss Allowance | $37,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.34% | | Return on Assets | 0.44% | | Return on Equity | 6.14% | | Interest Income | $74,000 |
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Institution Health
Overall Score:
5 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Farmers and Merchants Bank (17444) had $0 in non-current loans and owned real-estate with $693,000 in equity and loan loss allowances on hand to cover it. This gives Farmers and Merchants Bank (17444) a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Farmers and Merchants Bank (17444) has increased its total deposits by $2.28 million, resulting in 37.85% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Farmers and Merchants Bank (17444) has shown is excellent. | | Capitalization |  | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Farmers and Merchants Bank (17444) has $8.96 million in assets with $693,000 in equity, resulting in a capitalization level of 7.74%, which is below average. |
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