Farmers and Merchants Bank of Ashland

Farmers and Merchants Bank of Ashland is headquartered in Ashland and is the 122^nd largest bank in the state of Nebraska. It is also the 5,856^th largest bank in the nation. It was established in 1883 and as of March of 2012, it had grown to 17 employees at 4 locations. Farmers and Merchants Bank of Ashland's savings rates are 63% higher than the national average, and it boasts a 5-star health rating.

Farmers and Merchants Bank of Ashland Checking Account Rates

Farmers and Merchants Bank of Ashland Savings Account Rates

Farmers and Merchants Bank of Ashland Money Market Rates

Farmers and Merchants Bank of Ashland CD Rates

Farmers and Merchants Bank of Ashland IRA Rates

Data for Q1 2012

Institution Statistics Farmers and Merchants Bank of Ashland FDIC Certificate # 5377 BankRate Report View Year Established 1883 Employees 17 Primary Regulator FED Assets and Liabilities Assets $67.08 million Loans $42.74 million Deposits $52.97 million Equity Capital $7.29 million Loan Loss Allowance $540,000 Unbacked Noncurrent Loans $181,000 Real Estate Owned $106,000 Historic Data - March 2011 Assets $64.33 million Equity Capital $6.87 million Loan Loss Allowance $641,000 Unbacked Noncurrent Loans $291,000 Real Estate Owned $110,000 Profit Margin - Quarterly Net Interest Margin 4.79% Return on Assets 1.47% Return on Equity 13.1% Interest Income $768,000

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 of Ashland had $287,000 in non-current loans and owned real-estate with $7.83 million in equity and loan loss allowances on hand to cover it. This gives Farmers and Merchants Bank of Ashland a Texas Ratio of 3.67% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Farmers and Merchants Bank of Ashland decreased slightly from 5.34% as of March 31, 2011 to 3.67% as of March 31, 2012, resulting in a positive change of 31.28%.This indicates that the balance sheet and financial strength for Farmers and Merchants Bank of Ashland has improved slightly in recent periods. Deposit Growth In the past year, Farmers and Merchants Bank of Ashland has increased its total deposits by $3.67 million, resulting in 7.44% 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 of Ashland 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 of Ashland has $67.08 million in assets with $7.83 million in equity, resulting in a capitalization level of 11.67%, which is above average.

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