The Farmers and Merchants Bank (10280)

The Farmers and Merchants Bank (10280) is headquartered in Caldwell and is the 172^nd largest bank in the state of Ohio. It is also the 5,397^th largest bank in the nation. It was established in 1912 and as of March of 2012, it had grown to 28 employees at 1 location. The Farmers and Merchants Bank (10280) has a 4-star health rating.

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Data for Q1 2012

Institution Statistics The Farmers and Merchants Bank FDIC Certificate # 10280 BankRate Report View Year Established 1912 Employees 28 Primary Regulator FDIC Assets and Liabilities Assets $83.12 million Loans $59.68 million Deposits $72.81 million Equity Capital $10.01 million Loan Loss Allowance $1.27 million Unbacked Noncurrent Loans $2.23 million Real Estate Owned $97,000 Historic Data - March 2011 Assets $78.83 million Equity Capital $9.17 million Loan Loss Allowance $857,000 Unbacked Noncurrent Loans $2.24 million Real Estate Owned $52,000 Profit Margin - Quarterly Net Interest Margin 5.23% Return on Assets 1.54% Return on Equity 12.99% Interest Income $1.21 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 The Farmers and Merchants Bank (10280) had $2.32 million in non-current loans and owned real-estate with $11.28 million in equity and loan loss allowances on hand to cover it. This gives The Farmers and Merchants Bank (10280) a Texas Ratio of 20.59% 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 The Farmers and Merchants Bank (10280) held steady from 22.82% as of March 31, 2011 to 20.59% as of March 31, 2012, resulting in a positive change of 9.78%.This indicates that the balance sheet and financial strength for The Farmers and Merchants Bank (10280) has held steady in recent periods. Deposit Growth In the past year, The Farmers and Merchants Bank (10280) has increased its total deposits by $3.44 million, resulting in 4.95% 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 The Farmers and Merchants Bank (10280) 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. The Farmers and Merchants Bank (10280) has $83.12 million in assets with $11.28 million in equity, resulting in a capitalization level of 13.57%, which is excellent.

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