Farmers-Merchants National Bank of Paxton

Farmers-Merchants National Bank of Paxton is headquartered in Paxton and is the 323^rd largest bank in the state of Illinois. It is also the 4,732^nd largest bank in the nation. It was established in 1914 and as of March of 2012, it had grown to 22 employees at 3 locations. Farmers-Merchants National Bank of Paxton has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Farmers-Merchants National Bank of Paxton FDIC Certificate # 12104 BankRate Report View Year Established 1914 Employees 22 Primary Regulator OCC Assets and Liabilities Assets $109.14 million Loans $40.32 million Deposits $94.73 million Equity Capital $13.51 million Loan Loss Allowance $1.01 million Unbacked Noncurrent Loans $2.07 million Real Estate Owned $1.48 million Historic Data - March 2011 Assets $106.65 million Equity Capital $12.56 million Loan Loss Allowance $1.17 million Unbacked Noncurrent Loans $4.40 million Real Estate Owned $1.19 million Profit Margin - Quarterly Net Interest Margin 3.31% Return on Assets 1.25% Return on Equity 10.16% Interest Income $975,000

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 National Bank of Paxton had $3.55 million in non-current loans and owned real-estate with $14.52 million in equity and loan loss allowances on hand to cover it. This gives Farmers-Merchants National Bank of Paxton a Texas Ratio of 24.45% 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 National Bank of Paxton decreased slightly from 40.73% as of March 31, 2011 to 24.45% as of March 31, 2012, resulting in a positive change of 39.98%.This indicates that the balance sheet and financial strength for Farmers-Merchants National Bank of Paxton has improved slightly in recent periods. Deposit Growth In the past year, Farmers-Merchants National Bank of Paxton has increased its total deposits by $3.51 million, resulting in 3.85% 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 National Bank of Paxton has shown is above 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 National Bank of Paxton has $109.14 million in assets with $14.52 million in equity, resulting in a capitalization level of 13.30%, which is excellent.

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