Farmers & Merchants Bank of Colby

Farmers & Merchants Bank of Colby is headquartered in Colby and is the 88^th largest bank in the state of Kansas. It is also the 4,026^th largest bank in the nation. It was established in 1998 and as of March of 2012, it had grown to 20 employees at 2 locations. Farmers & Merchants Bank of Colby has a 5-star health rating.

Data for Q1 2012

Institution Statistics Farmers & Merchants Bank of Colby FDIC Certificate # 34719 BankRate Report View Year Established 1998 Employees 20 Primary Regulator FDIC Assets and Liabilities Assets $141.34 million Loans $67.24 million Deposits $99.11 million Equity Capital $15.49 million Loan Loss Allowance $781,000 Unbacked Noncurrent Loans $126,000 Real Estate Owned $640,000 Historic Data - March 2011 Assets $119.66 million Equity Capital $13.10 million Loan Loss Allowance $833,000 Unbacked Noncurrent Loans $271,000 Real Estate Owned $477,000 Profit Margin - Quarterly Net Interest Margin 3.47% Return on Assets 1.57% Return on Equity 14.5% Interest Income $1.42 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 & Merchants Bank of Colby had $766,000 in non-current loans and owned real-estate with $16.27 million in equity and loan loss allowances on hand to cover it. This gives Farmers & Merchants Bank of Colby a Texas Ratio of 4.71% 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 & Merchants Bank of Colby held steady from 4.34% as of March 31, 2011 to 4.71% as of March 31, 2012, resulting in a negative change of 8.56%. This indicates that the balance sheet and financial strength for Farmers & Merchants Bank of Colby has held steady in recent periods. Deposit Growth In the past year, Farmers & Merchants Bank of Colby has increased its total deposits by $15.65 million, resulting in 18.75% 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 of Colby 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 & Merchants Bank of Colby has $141.34 million in assets with $16.27 million in equity, resulting in a capitalization level of 11.51%, which is above average.

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