The Merchants and Farmers Bank of Salisbury

The Merchants and Farmers Bank of Salisbury is headquartered in Salisbury and is the 196^th largest bank in the state of Missouri. It is also the 4,960^th largest bank in the nation. It was established in 1903 and as of March of 2012, it had grown to 30 employees at 4 locations. The Merchants and Farmers Bank of Salisbury has a 5-star health rating.

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Data for Q1 2012

Institution Statistics The Merchants and Farmers Bank of Salisbury FDIC Certificate # 8259 BankRate Report View Year Established 1903 Employees 30 Primary Regulator FDIC Assets and Liabilities Assets $99.26 million Loans $56.65 million Deposits $87.43 million Equity Capital $8.85 million Loan Loss Allowance $1.08 million Real Estate Owned $374,000 Historic Data - March 2011 Assets $98.37 million Equity Capital $8.37 million Loan Loss Allowance $986,000 Real Estate Owned $423,000 Profit Margin - Quarterly Net Interest Margin 3.13% Return on Assets 0.53% Return on Equity 6.01% Interest Income $944,000

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 Merchants and Farmers Bank of Salisbury had $374,000 in non-current loans and owned real-estate with $9.93 million in equity and loan loss allowances on hand to cover it. This gives The Merchants and Farmers Bank of Salisbury a Texas Ratio of 3.77% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Merchants and Farmers Bank of Salisbury decreased slightly from 4.52% as of March 31, 2011 to 3.77% as of March 31, 2012, resulting in a positive change of 16.67%.This indicates that the balance sheet and financial strength for The Merchants and Farmers Bank of Salisbury has improved slightly in recent periods. Deposit Growth In the past year, The Merchants and Farmers Bank of Salisbury has increased its total deposits by $648,000, resulting in 0.75% 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 Merchants and Farmers Bank of Salisbury 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 Merchants and Farmers Bank of Salisbury has $99.26 million in assets with $9.93 million in equity, resulting in a capitalization level of 10.00%, which is above average.

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