Farmers and Merchants National Bank

Overview / Commentary

www.bankwithfmb.com

618-327-4401

120 West St. Louis Street
Nashville, IL 62263

Farmers and Merchants National Bank is headquartered in Nashville and is the 216^th largest bank in the state of Illinois. It is also the 3,151^st largest bank in the nation. It was established in 1906 and as of December of 2018, it had grown to 49 employees at 7 locations. Farmers and Merchants National Bank's money market rates are 2X the national average, and it has an A health rating.

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Health

Data as of Q4 2018

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Health Grade Components

Overall
FDIC Certificate #	3821
Year Established	1906
Employees	49
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.41%
Return on Equity - YTD	11.42%
Annual Interest Income	$6.5MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$174.5MM$171.1MM
Loans	Q4 2018vs Q4 2017	$120.1MM$110.9MM
Deposits	Q4 2018vs Q4 2017	$152.6MM$148.8MM
Equity Capital	Q4 2018vs Q4 2017	$21.5MM$21.9MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$949.00K$901.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$286.00K$360.00K
Real Estate Owned	Q4 2018vs Q4 2017	$24.00K$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Farmers and Merchants National Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%	$5	-	Christmas Club
0.30%	$5	-	Vacation Club
0.20%^*	$15k^*	-	Health Savings Account
OTHER TIERS: 0.05% → Up to $1k \| 0.10% → $1k - $5k \| 0.15% → $5k - $15k
0.10%	$5	-	Personal Savings

Farmers and Merchants National Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%^*	$100k^*	-	Money Market
OTHER TIERS: 0.50% → Up to $25k \| 0.75% → $25k - $100k
1.00%^*	$100k^*	-	Business Money Market
OTHER TIERS: 0.50% → Up to $25k \| 0.75% → $25k - $100k

Farmers and Merchants National Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.20%^*	-	$25k	Hometown Advantage Checking
OTHER TIERS: 0.10% → $25k+
0.05%	$1k	-	Now Checking
0.05%	$1k	-	Business Now Checking
0.05%	$1k	-	50 Club Checking

Farmers and Merchants National Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.80%	$1k	-	37 Month Your Option CD Special
2.80%	$1k	-	59 Month CD Special
2.80%	$1k	-	Business 59 Month CD Special
2.50%	$1k	-	19 Month CD Special
2.50%	$1k	-	Business 19 Month CD Special
2.00%	$1k	-	13 Month CD Special
2.00%	$1k	-	Business 13 Month CD Special
1.40%	$1k	-	60 Month CD
1.40%	$1k	-	Business 60 Month CD
1.15%	$1k	-	48 Month CD
1.15%	$1k	-	Business 48 Month CD
1.10%	$1k	-	37 Month CD
1.10%	$1k	-	Business 37 Month CD
0.80%	$1k	-	4 Month CD Special
0.80%	$1k	-	Business 4 Month CD Special
0.75%	$1k	-	36 Month CD
0.75%	$1k	-	Business 36 Month CD
0.50%	$1k	-	30 Month CD
0.50%	$1k	-	Business 30 Month CD
0.45%	$1k	-	24 Month CD
0.45%	$1k	-	Business 24 Month CD
0.35%	$1k	-	18 Month CD
0.35%	$1k	-	Business 18 Month CD
0.32%	$1k	-	15 Month CD
0.32%	$1k	-	Business 15 Month CD
0.30%	$1k	-	12 Month CD
0.30%	$1k	-	21 Month CD
0.30%	$1k	-	Business 12 Month CD
0.30%	$1k	-	Business 21 Month CD
0.18%	$1k	-	9 Month CD
0.18%	$1k	-	Business 9 Month CD
0.15%	$1k	-	182 Day CD
0.15%	$1k	-	Business 182 Day CD
0.10%	$1k	-	91 Day CD
0.10%	$1k	-	Business 91 Day CD

Farmers and Merchants National Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.00%	$25	-	60 Month IRA
0.70%	$25	-	18 Month IRA

Locations

Farmers and Merchants National Bank Locations
Lebanon Branch	102 Wakanda Dr	Lebanon, IL 62254
The Farmers and Merchants National Bank Of Nashvil	120 West St. Louis Street	Nashville, IL 62263
Hoyleton Branch	51 East St Louis Street	Hoyleton, IL 62803
Ashley Branch	636 East Main Street	Ashley, IL 62808
Mascoutah Branch	832 N Jefferson St	Mascoutah, IL 62258
Dubois Branch	Third and Broadway	Dubois, IL 62831
F & M Motor Facility	118 East Lebanon Street	Nashville, IL 62263

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