Merchants & Farmers Bank of Greene County, Alabama

Merchants & Farmers Bank of Greene County, Alabama is headquartered in Eutaw and is the 131^st largest bank in the state of Alabama. It is also the 6,156^th largest bank in the nation. It was established in 1900 and as of March of 2012, it had grown to 21 employees at 1 location. Merchants & Farmers Bank of Greene County, Alabama has a 5-star health rating.

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Data for Q1 2012

Institution Statistics Merchants & Farmers Bank of Greene County, Alabama FDIC Certificate # 855 BankRate Report View Year Established 1900 Employees 21 Primary Regulator FDIC Assets and Liabilities Assets $56.91 million Loans $25.95 million Deposits $47.17 million Equity Capital $6.09 million Loan Loss Allowance $308,000 Unbacked Noncurrent Loans $434,000 Real Estate Owned $423,000 Historic Data - March 2011 Assets $52.77 million Equity Capital $5.15 million Loan Loss Allowance $384,000 Unbacked Noncurrent Loans $898,000 Real Estate Owned $182,000 Profit Margin - Quarterly Net Interest Margin 3.84% Return on Assets 0.92% Return on Equity 8.91% Interest Income $574,000

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 Merchants & Farmers Bank of Greene County, Alabama had $857,000 in non-current loans and owned real-estate with $6.4 million in equity and loan loss allowances on hand to cover it. This gives Merchants & Farmers Bank of Greene County, Alabama a Texas Ratio of 13.40% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Merchants & Farmers Bank of Greene County, Alabama decreased slightly from 19.53% as of March 31, 2011 to 13.40% as of March 31, 2012, resulting in a positive change of 31.38%.This indicates that the balance sheet and financial strength for Merchants & Farmers Bank of Greene County, Alabama has improved slightly in recent periods. Deposit Growth In the past year, Merchants & Farmers Bank of Greene County, Alabama has increased its total deposits by $3.68 million, resulting in 8.47% 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 Merchants & Farmers Bank of Greene County, Alabama 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. Merchants & Farmers Bank of Greene County, Alabama has $56.91 million in assets with $6.4 million in equity, resulting in a capitalization level of 11.24%, which is above average.

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