Farmers & Merchants Bank, of Orfordville

Farmers & Merchants Bank, of Orfordville is headquartered in Orfordville and is the 256^th largest bank in the state of Wisconsin. It is also the 6,589^th largest bank in the nation. It was established in 1901 and as of March of 2012, it had grown to 10 employees at 1 location. Farmers & Merchants Bank, of Orfordville has a 5-star health rating.

Data for Q1 2012

Institution Statistics Farmers & Merchants Bank, of Orfordville FDIC Certificate # 15173 BankRate Report View Year Established 1901 Employees 10 Primary Regulator FED Assets and Liabilities Assets $42.44 million Loans $24.42 million Deposits $36.79 million Equity Capital $4.53 million Loan Loss Allowance $600,000 Unbacked Noncurrent Loans $400,000 Historic Data - March 2011 Assets $42.16 million Equity Capital $4.05 million Loan Loss Allowance $545,000 Unbacked Noncurrent Loans $1.44 million Profit Margin - Quarterly Net Interest Margin 3.64% Return on Assets 0.88% Return on Equity 8.28% Interest Income $423,000

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 Orfordville had $400,000 in non-current loans and owned real-estate with $5.13 million in equity and loan loss allowances on hand to cover it. This gives Farmers & Merchants Bank, of Orfordville a Texas Ratio of 7.80% 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 & Merchants Bank, of Orfordville decreased significantly from 31.20% as of March 31, 2011 to 7.80% as of March 31, 2012, resulting in a positive change of 75.01%.This indicates that the balance sheet and financial strength for Farmers & Merchants Bank, of Orfordville has improved significantly in recent periods. Deposit Growth In the past year, Farmers & Merchants Bank, of Orfordville has decreased its total deposits by $-315,000, resulting in -0.85% 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 Orfordville has shown is 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, of Orfordville has $42.44 million in assets with $5.13 million in equity, resulting in a capitalization level of 12.09%, which is excellent.

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