Institution Statistics
| Farmers & Merchants Bank | | FDIC Certificate # | 13046 | | BankRate Report | View | | Year Established | 1911 | | Employees | 43 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $202.14 million | | Loans | $114.58 million | | Deposits | $156.07 million | | Equity Capital | $20.97 million | | Loan Loss Allowance | $3.62 million | | Unbacked Noncurrent Loans | $3.79 million | | Real Estate Owned | $114,000 |
Historic Data - March 2011 | | Assets | $206.38 million | | Equity Capital | $20.22 million | | Loan Loss Allowance | $3.22 million | | Unbacked Noncurrent Loans | $3.74 million | | Real Estate Owned | $5,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.1% | | Return on Assets | 0.39% | | Return on Equity | 3.7% | | Interest Income | $2.11 million |
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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 (WI) had $3.91 million in non-current loans and owned real-estate with $24.59 million in equity and loan loss allowances on hand to cover it. This gives Farmers & Merchants Bank (WI) a Texas Ratio of 15.88% 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 (WI) held steady from 16.05% as of March 31, 2011 to 15.88% as of March 31, 2012, resulting in a positive change of 1.07%.This indicates that the balance sheet and financial strength for Farmers & Merchants Bank (WI) has held steady in recent periods. | | Deposit Growth |  | | In the past year, Farmers & Merchants Bank (WI) has decreased its total deposits by -$6.16 million, resulting in -3.8% 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 (WI) has shown is below 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 (WI) has $202.14 million in assets with $24.59 million in equity, resulting in a capitalization level of 12.17%, which is excellent. |
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