The Farmers & Merchants Bank

The Farmers & Merchants Bank is headquartered in Dyer and is the 155^th largest bank in the state of Tennessee. It is also the 4,942^nd largest bank in the nation. It was established in 1895 and as of March of 2012, it had grown to 39 employees at 5 locations. The Farmers & Merchants Bank's money market rates are 2X the national average, and it has a 4-star health rating.

The Farmers & Merchants Bank Checking Account Rates

The Farmers & Merchants Bank Savings Account Rates

The Farmers & Merchants Bank Money Market Rates

The Farmers & Merchants Bank CD Rates

The Farmers & Merchants Bank IRA Rates

Data for Q1 2012

Institution Statistics The Farmers & Merchants Bank FDIC Certificate # 1480 BankRate Report View Year Established 1895 Employees 39 Primary Regulator FDIC Assets and Liabilities Assets $99.96 million Loans $39.29 million Deposits $82.54 million Equity Capital $10.53 million Loan Loss Allowance $267,000 Unbacked Noncurrent Loans $1.42 million Real Estate Owned $93,000 Historic Data - March 2011 Assets $99.82 million Equity Capital $7.98 million Loan Loss Allowance $269,000 Unbacked Noncurrent Loans $637,000 Real Estate Owned $253,000 Profit Margin - Quarterly Net Interest Margin 3.41% Return on Assets 1.54% Return on Equity 14.82% Interest Income $998,000

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 & Merchants Bank had $1.51 million in non-current loans and owned real-estate with $10.79 million in equity and loan loss allowances on hand to cover it. This gives The Farmers & Merchants Bank a Texas Ratio of 14.01% 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 held steady from 10.36% as of March 31, 2011 to 14.01% as of March 31, 2012, resulting in a negative change of 35.16%. This indicates that the balance sheet and financial strength for The Farmers & Merchants Bank has held steady in recent periods. Deposit Growth In the past year, The Farmers & Merchants Bank has decreased its total deposits by $-818,000, resulting in -0.98% 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 has shown is 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 & Merchants Bank has $99.96 million in assets with $10.79 million in equity, resulting in a capitalization level of 10.80%, which is above average.

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