Farmers and Merchants Bank of St. Clair

Farmers and Merchants Bank of St. Clair is headquartered in Saint Clair and is the 128^th largest bank in the state of Missouri. It is also the 3,526^th largest bank in the nation. It was established in 1913 and as of March of 2012, it had grown to 64 employees at 5 locations. Farmers and Merchants Bank of St. Clair has a 5-star health rating.

Farmers and Merchants Bank of St. Clair Checking Account Rates

Farmers and Merchants Bank of St. Clair Savings Account Rates

Farmers and Merchants Bank of St. Clair Money Market Rates

Farmers and Merchants Bank of St. Clair CD Rates

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Data for Q1 2012

Institution Statistics Farmers and Merchants Bank of St. Clair FDIC Certificate # 14056 BankRate Report View Year Established 1913 Employees 64 Primary Regulator FDIC Assets and Liabilities Assets $170.22 million Loans $114.23 million Deposits $146.49 million Equity Capital $17.62 million Loan Loss Allowance $2.08 million Unbacked Noncurrent Loans $58,000 Real Estate Owned $1.33 million Historic Data - March 2011 Assets $170.59 million Equity Capital $16.68 million Loan Loss Allowance $1.85 million Unbacked Noncurrent Loans $23,000 Real Estate Owned $1.67 million Profit Margin - Quarterly Net Interest Margin 4.18% Return on Assets 0.51% Return on Equity 4.83% Interest Income $1.92 million

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 St. Clair had $1.39 million in non-current loans and owned real-estate with $19.69 million in equity and loan loss allowances on hand to cover it. This gives Farmers and Merchants Bank of St. Clair a Texas Ratio of 7.07% 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 St. Clair held steady from 4.04% as of March 31, 2011 to 7.07% as of March 31, 2012, resulting in a negative change of 75.08%. This indicates that the balance sheet and financial strength for Farmers and Merchants Bank of St. Clair has held steady in recent periods. Deposit Growth In the past year, Farmers and Merchants Bank of St. Clair has decreased its total deposits by $-520,000, resulting in -0.35% 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 St. Clair has shown is average. 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 St. Clair has $170.22 million in assets with $19.69 million in equity, resulting in a capitalization level of 11.57%, which is above average.

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