The Farmers and Merchants National Bank of Fairview

The Farmers and Merchants National Bank of Fairview is headquartered in Fairview and is the 126^th largest bank in the state of Oklahoma. It is also the 4,740^th largest bank in the nation. It was established in 1907 and as of March of 2012, it had grown to 18 employees at 1 location. The Farmers and Merchants National Bank of Fairview has a 5-star health rating.

Data for Q1 2012

Institution Statistics The Farmers and Merchants National Bank of Fairview FDIC Certificate # 4097 BankRate Report View Year Established 1907 Employees 18 Primary Regulator OCC Assets and Liabilities Assets $108.90 million Loans $32.09 million Deposits $94.59 million Equity Capital $11.58 million Loan Loss Allowance $909,000 Historic Data - March 2011 Assets $82.45 million Equity Capital $9.92 million Loan Loss Allowance $827,000 Unbacked Noncurrent Loans $59,000 Profit Margin - Quarterly Net Interest Margin 3.88% Return on Assets 3.08% Return on Equity 27.28% Interest Income $1.01 million

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 The Farmers and Merchants National Bank of Fairview had $0 in non-current loans and owned real-estate with $12.49 million in equity and loan loss allowances on hand to cover it. This gives The Farmers and Merchants National Bank of Fairview a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, The Farmers and Merchants National Bank of Fairview has increased its total deposits by $22.62 million, resulting in 31.42% 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 National Bank of Fairview 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 National Bank of Fairview has $108.9 million in assets with $12.49 million in equity, resulting in a capitalization level of 11.47%, which is above average.

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