Farmers & Mechanics Bank

Farmers & Mechanics Bank is headquartered in Galesburg and is the 186^th largest bank in the state of Illinois. It is also the 2,768^th largest bank in the nation. It was established in 1869 and as of March of 2012, it had grown to 58 employees at 3 locations. Farmers & Mechanics Bank has a 5-star health rating.

Data for Q1 2012

Institution Statistics Farmers & Mechanics Bank FDIC Certificate # 924 BankRate Report View Year Established 1869 Employees 58 Primary Regulator FED Assets and Liabilities Assets $230.65 million Loans $121.83 million Deposits $189.81 million Equity Capital $32.19 million Loan Loss Allowance $2.05 million Unbacked Noncurrent Loans $740,000 Historic Data - March 2011 Assets $219.36 million Equity Capital $28.28 million Loan Loss Allowance $2.15 million Unbacked Noncurrent Loans $1.12 million Real Estate Owned $1.35 million Profit Margin - Quarterly Net Interest Margin 4.01% Return on Assets 1.47% Return on Equity 10.38% Interest Income $2.38 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 & Mechanics Bank had $740,000 in non-current loans and owned real-estate with $34.24 million in equity and loan loss allowances on hand to cover it. This gives Farmers & Mechanics Bank a Texas Ratio of 2.16% 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 & Mechanics Bank decreased significantly from 7.35% as of March 31, 2011 to 2.16% as of March 31, 2012, resulting in a positive change of 70.59%.This indicates that the balance sheet and financial strength for Farmers & Mechanics Bank has improved significantly in recent periods. Deposit Growth In the past year, Farmers & Mechanics Bank has increased its total deposits by $10.31 million, resulting in 5.74% 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 & Mechanics 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 & Mechanics Bank has $230.65 million in assets with $34.24 million in equity, resulting in a capitalization level of 14.84%, which is excellent.

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