Farmers & Merchants Bank & Trust

Farmers & Merchants Bank & Trust is headquartered in Marinette and is the 136^th largest bank in the state of Wisconsin. It is also the 3,781^st largest bank in the nation. It was established in 1902 and as of March of 2012, it had grown to 43 employees at 3 locations. Farmers & Merchants Bank & Trust's money market rates are 14% higher than the national average, and it has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Farmers & Merchants Bank & Trust FDIC Certificate # 10382 BankRate Report View Year Established 1902 Employees 43 Primary Regulator FDIC Assets and Liabilities Assets $155.62 million Loans $88.16 million Deposits $139.75 million Equity Capital $14.94 million Loan Loss Allowance $1.64 million Unbacked Noncurrent Loans $1.95 million Real Estate Owned $804,000 Historic Data - March 2011 Assets $155.50 million Equity Capital $15.04 million Loan Loss Allowance $1.83 million Unbacked Noncurrent Loans $4.03 million Real Estate Owned $184,000 Profit Margin - Quarterly Net Interest Margin 3.19% Return on Assets 0.14% Return on Equity 1.42% Interest Income $1.60 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 & Merchants Bank & Trust had $2.75 million in non-current loans and owned real-estate with $16.57 million in equity and loan loss allowances on hand to cover it. This gives Farmers & Merchants Bank & Trust a Texas Ratio of 16.62% 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 & Merchants Bank & Trust decreased slightly from 22.98% as of March 31, 2011 to 16.62% as of March 31, 2012, resulting in a positive change of 27.68%.This indicates that the balance sheet and financial strength for Farmers & Merchants Bank & Trust has improved slightly in recent periods. Deposit Growth In the past year, Farmers & Merchants Bank & Trust has increased its total deposits by $391,000, resulting in 0.28% 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 & Trust 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 & Trust has $155.62 million in assets with $16.57 million in equity, resulting in a capitalization level of 10.65%, which is above average.

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