Farmers & Merchants State Bank (WI)

Farmers & Merchants State Bank (WI) is headquartered in Waterloo and is the 145^th largest bank in the state of Wisconsin. It is also the 3,956^th largest bank in the nation. It was established in 1897 and as of March of 2012, it had grown to 34 employees at 2 locations. Farmers & Merchants State Bank (WI) has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Farmers & Merchants State Bank FDIC Certificate # 13242 BankRate Report View Year Established 1897 Employees 34 Primary Regulator FDIC Assets and Liabilities Assets $145.49 million Loans $107.30 million Deposits $109.84 million Equity Capital $16.81 million Loan Loss Allowance $1.77 million Unbacked Noncurrent Loans $2.75 million Real Estate Owned $1.14 million Historic Data - March 2011 Assets $135.41 million Equity Capital $16.72 million Loan Loss Allowance $1.65 million Unbacked Noncurrent Loans $3.92 million Real Estate Owned $1.16 million Profit Margin - Quarterly Net Interest Margin 3.51% Return on Assets 0.31% Return on Equity 2.67% Interest Income $1.58 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 State Bank (WI) had $3.89 million in non-current loans and owned real-estate with $18.58 million in equity and loan loss allowances on hand to cover it. This gives Farmers & Merchants State Bank (WI) a Texas Ratio of 20.93% 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 State Bank (WI) decreased slightly from 27.62% as of March 31, 2011 to 20.93% as of March 31, 2012, resulting in a positive change of 24.24%.This indicates that the balance sheet and financial strength for Farmers & Merchants State Bank (WI) has improved slightly in recent periods. Deposit Growth In the past year, Farmers & Merchants State Bank (WI) has increased its total deposits by $6.74 million, resulting in 6.53% 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 State Bank (WI) 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 State Bank (WI) has $145.49 million in assets with $18.58 million in equity, resulting in a capitalization level of 12.77%, which is excellent.

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