Farmers and Merchants National Bank

Farmers and Merchants National Bank is headquartered in Nashville and is the 245^th largest bank in the state of Illinois. It is also the 3,548^th largest bank in the nation. It was established in 1906 and as of March of 2012, it had grown to 49 employees at 7 locations. Farmers and Merchants National Bank's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

Farmers and Merchants National Bank Checking Account Rates

Farmers and Merchants National Bank Savings Account Rates

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Farmers and Merchants National Bank IRA Rates

Data for Q1 2012

Institution Statistics The Farmers and Merchants National Bank of Nashville FDIC Certificate # 3821 BankRate Report View Year Established 1906 Employees 49 Primary Regulator OCC Assets and Liabilities Assets $168.98 million Loans $77.27 million Deposits $142.69 million Equity Capital $21.01 million Loan Loss Allowance $934,000 Unbacked Noncurrent Loans $176,000 Real Estate Owned $220,000 Historic Data - March 2011 Assets $157.05 million Equity Capital $19.54 million Loan Loss Allowance $925,000 Unbacked Noncurrent Loans $219,000 Real Estate Owned $329,000 Profit Margin - Quarterly Net Interest Margin 2.96% Return on Assets 1.01% Return on Equity 7.86% Interest Income $1.48 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 National Bank had $396,000 in non-current loans and owned real-estate with $21.95 million in equity and loan loss allowances on hand to cover it. This gives Farmers and Merchants National Bank a Texas Ratio of 1.80% 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 National Bank decreased slightly from 2.68% as of March 31, 2011 to 1.80% as of March 31, 2012, resulting in a positive change of 32.62%.This indicates that the balance sheet and financial strength for Farmers and Merchants National Bank has improved slightly in recent periods. Deposit Growth In the past year, Farmers and Merchants National Bank has increased its total deposits by $10.48 million, resulting in 7.92% 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 National Bank 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 National Bank has $168.98 million in assets with $21.95 million in equity, resulting in a capitalization level of 12.99%, which is excellent.

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