The Farmers & Merchants Bank (WI)

The Farmers & Merchants Bank (WI) is headquartered in Berlin and is the 114^st largest bank in the state of Wisconsin. It is also the 3,288^th largest bank in the nation. It was established in 1940 and as of March of 2012, it had grown to 42 employees at 1 location. The Farmers & Merchants Bank (WI) has a 5-star health rating.

Data for Q1 2012

Institution Statistics The Farmers & Merchants Bank FDIC Certificate # 15779 BankRate Report View Year Established 1940 Employees 42 Primary Regulator FED Assets and Liabilities Assets $186.88 million Loans $141.86 million Deposits $157.31 million Equity Capital $21.74 million Loan Loss Allowance $2.19 million Unbacked Noncurrent Loans $1.89 million Real Estate Owned $158,000 Historic Data - March 2011 Assets $173.50 million Equity Capital $19.96 million Loan Loss Allowance $1.96 million Unbacked Noncurrent Loans $1.97 million Real Estate Owned $225,000 Profit Margin - Quarterly Net Interest Margin 5.9% Return on Assets 1.88% Return on Equity 16.25% Interest Income $2.98 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 & Merchants Bank (WI) had $2.04 million in non-current loans and owned real-estate with $23.94 million in equity and loan loss allowances on hand to cover it. This gives The Farmers & Merchants Bank (WI) a Texas Ratio of 8.54% 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 & Merchants Bank (WI) held steady from 10.01% as of March 31, 2011 to 8.54% as of March 31, 2012, resulting in a positive change of 14.68%.This indicates that the balance sheet and financial strength for The Farmers & Merchants Bank (WI) has held steady in recent periods. Deposit Growth In the past year, The Farmers & Merchants Bank (WI) has increased its total deposits by $12.16 million, resulting in 8.38% 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 & Merchants Bank (WI) 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 & Merchants Bank (WI) has $186.88 million in assets with $23.94 million in equity, resulting in a capitalization level of 12.81%, which is excellent.

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