Farmers and Merchants Union Bank

Farmers and Merchants Union Bank is headquartered in Columbus and is the 74^th largest bank in the state of Wisconsin. It is also the 2,347^th largest bank in the nation. It was established in 1861 and as of March of 2012, it had grown to 54 employees at 5 locations. Farmers and Merchants Union Bank has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Farmers and Merchants Union Bank FDIC Certificate # 14445 BankRate Report View Year Established 1861 Employees 54 Primary Regulator FDIC Assets and Liabilities Assets $275.51 million Loans $201.30 million Deposits $247.14 million Equity Capital $27.11 million Loan Loss Allowance $5.04 million Unbacked Noncurrent Loans $3.53 million Real Estate Owned $1.97 million Historic Data - March 2011 Assets $263.63 million Equity Capital $25.18 million Loan Loss Allowance $6.43 million Unbacked Noncurrent Loans $2.02 million Profit Margin - Quarterly Net Interest Margin 4.67% Return on Assets 0.67% Return on Equity 7.07% Interest Income $3.11 million

Institution Health Overall Score: 4 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 Union Bank had $5.5 million in non-current loans and owned real-estate with $32.15 million in equity and loan loss allowances on hand to cover it. This gives Farmers and Merchants Union Bank a Texas Ratio of 17.12% 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 Union Bank increased slightly from 6.38% as of March 31, 2011 to 17.12% as of March 31, 2012, resulting in a negative change of 168.46%. This indicates that the balance sheet and financial strength for Farmers and Merchants Union Bank has declined slightly in recent periods. Deposit Growth In the past year, Farmers and Merchants Union Bank has increased its total deposits by $13.56 million, resulting in 5.81% 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 Union 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 Union Bank has $275.51 million in assets with $32.15 million in equity, resulting in a capitalization level of 11.67%, which is above average.

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