The Farmers and Merchants Bank (OH)

The Farmers and Merchants Bank (OH) is headquartered in Miamisburg and is the 149^th largest bank in the state of Ohio. It is also the 4,790^th largest bank in the nation. It was established in 1923 and as of March of 2012, it had grown to 24 employees at 3 locations. The Farmers and Merchants Bank (OH) has a 4-star health rating.

The Farmers and Merchants Bank (OH) Checking Account Rates

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Data for Q1 2012

Institution Statistics The Farmers and Merchants Bank FDIC Certificate # 9462 BankRate Report View Year Established 1923 Employees 24 Primary Regulator FDIC Assets and Liabilities Assets $106.57 million Loans $61.43 million Deposits $96.65 million Equity Capital $9.53 million Loan Loss Allowance $774,000 Unbacked Noncurrent Loans $758,000 Real Estate Owned $526,000 Historic Data - March 2011 Assets $96.79 million Equity Capital $8.11 million Loan Loss Allowance $985,000 Unbacked Noncurrent Loans $2.16 million Real Estate Owned $279,000 Profit Margin - Quarterly Net Interest Margin 3.9% Return on Assets 0.83% Return on Equity 9.27% Interest Income $1.04 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 (OH) had $1.28 million in non-current loans and owned real-estate with $10.3 million in equity and loan loss allowances on hand to cover it. This gives The Farmers and Merchants Bank (OH) a Texas Ratio of 12.46% 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 The Farmers and Merchants Bank (OH) decreased significantly from 26.78% as of March 31, 2011 to 12.46% as of March 31, 2012, resulting in a positive change of 53.47%.This indicates that the balance sheet and financial strength for The Farmers and Merchants Bank (OH) has improved significantly in recent periods. Deposit Growth In the past year, The Farmers and Merchants Bank (OH) has increased its total deposits by $9.22 million, resulting in 10.54% 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 (OH) 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. The Farmers and Merchants Bank (OH) has $106.57 million in assets with $10.3 million in equity, resulting in a capitalization level of 9.67%, which is average.

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