Farmers & Merchants Bank (9069)

Farmers & Merchants Bank (9069) is headquartered in Eatonton and is the 84^th largest bank in the state of Georgia. It is also the 2,943^rd largest bank in the nation. It was established in 1922 and as of March of 2012, it had grown to 51 employees at 2 locations. Farmers & Merchants Bank (9069) has a 3-star health rating.

Data for Q1 2012

Institution Statistics Farmers & Merchants Bank FDIC Certificate # 9069 BankRate Report View Year Established 1922 Employees 51 Primary Regulator FDIC Assets and Liabilities Assets $216.40 million Loans $118.49 million Deposits $175.07 million Equity Capital $23.91 million Loan Loss Allowance $2.52 million Unbacked Noncurrent Loans $17.28 million Real Estate Owned $6.39 million Historic Data - March 2011 Assets $213.24 million Equity Capital $22.32 million Loan Loss Allowance $3.24 million Unbacked Noncurrent Loans $25.94 million Real Estate Owned $2.53 million Profit Margin - Quarterly Net Interest Margin 3.38% Return on Assets 0.24% Return on Equity 2.19% Interest Income $2.20 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 & Merchants Bank (9069) had $23.67 million in non-current loans and owned real-estate with $26.43 million in equity and loan loss allowances on hand to cover it. This gives Farmers & Merchants Bank (9069) a Texas Ratio of 89.55% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Farmers & Merchants Bank (9069) decreased slightly from 111.33% as of March 31, 2011 to 89.55% as of March 31, 2012, resulting in a positive change of 19.57%.This indicates that the balance sheet and financial strength for Farmers & Merchants Bank (9069) has improved slightly in recent periods. Deposit Growth In the past year, Farmers & Merchants Bank (9069) has increased its total deposits by $1.86 million, resulting in 1.07% 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 & Merchants Bank (9069) has shown is above 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 & Merchants Bank (9069) has $216.4 million in assets with $26.43 million in equity, resulting in a capitalization level of 12.21%, which is excellent.

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