Farmers and Merchants Bank of Western Pennsylvania, National Association

Farmers and Merchants Bank of Western Pennsylvania, National Association is headquartered in Kittanning and is the 90^th largest bank in the state of Pennsylvania. It is also the 1,702^nd largest bank in the nation. It was established in 1897 and as of March of 2012, it had grown to 85 employees at 7 locations. Farmers and Merchants Bank of Western Pennsylvania, National Association has a 3-star health rating.

Farmers and Merchants Bank of Western Pennsylvania, National Association Checking Account Rates

Farmers and Merchants Bank of Western Pennsylvania, National Association Savings Account Rates

Farmers and Merchants Bank of Western Pennsylvania, National Association Money Market Rates

Farmers and Merchants Bank of Western Pennsylvania, National Association CD Rates

Farmers and Merchants Bank of Western Pennsylvania, National Association IRA Rates

Data for Q1 2012

Institution Statistics Farmers and Merchants Bank of Western Pennsylvania, National Associatio FDIC Certificate # 7900 BankRate Report View Year Established 1897 Employees 85 Primary Regulator OCC Assets and Liabilities Assets $392.19 million Loans $298.82 million Deposits $350.11 million Equity Capital $41.06 million Loan Loss Allowance $4.70 million Unbacked Noncurrent Loans $9.25 million Real Estate Owned $2.04 million Historic Data - March 2011 Assets $405.54 million Equity Capital $39.73 million Loan Loss Allowance $4.43 million Unbacked Noncurrent Loans $11.09 million Real Estate Owned $1.85 million Profit Margin - Quarterly Net Interest Margin 3.67% Return on Assets 1.1% Return on Equity 10.72% Interest Income $3.96 million

Institution Health Overall Score: 3 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 Western Pennsylvania, National Association had $11.29 million in non-current loans and owned real-estate with $45.76 million in equity and loan loss allowances on hand to cover it. This gives Farmers and Merchants Bank of Western Pennsylvania, National Association a Texas Ratio of 24.68% which is average. 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 Western Pennsylvania, National Association decreased slightly from 29.31% as of March 31, 2011 to 24.68% as of March 31, 2012, resulting in a positive change of 15.81%.This indicates that the balance sheet and financial strength for Farmers and Merchants Bank of Western Pennsylvania, National Association has improved slightly in recent periods. Deposit Growth In the past year, Farmers and Merchants Bank of Western Pennsylvania, National Association has decreased its total deposits by -$15.19 million, resulting in -4.16% 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 Western Pennsylvania, National Association has shown is below 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 Western Pennsylvania, National Association has $392.19 million in assets with $45.76 million in equity, resulting in a capitalization level of 11.67%, which is above average.

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