The Farmers & Merchants Bank (WI)

Overview / Commentary

www.fmberlin.com

920-361-1454

123 W Huron Street
Berlin, WI 54923

The Farmers & Merchants Bank (WI) is headquartered in Berlin and is the 72^nd largest bank in the state of Wisconsin. It is also the 2,090^th largest bank in the nation. It was established in 1940 and as of December of 2018, it had grown to 56 employees at 2 locations. The Farmers & Merchants Bank (WI)'s money market rates are 6X the national average, and it has a B health rating.

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Health

Data as of Q4 2018

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Health Grade Components

Overall
FDIC Certificate #	15779
Year Established	1940
Employees	56
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	0.94%
Return on Equity - YTD	9.29%
Annual Interest Income	$15.2MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$314.8MM$290.0MM
Loans	Q4 2018vs Q4 2017	$257.3MM$231.8MM
Deposits	Q4 2018vs Q4 2017	$266.0MM$247.7MM
Equity Capital	Q4 2018vs Q4 2017	$31.6MM$29.6MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$2.9MM$3.1MM
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$4.4MM$1.8MM
Real Estate Owned	Q4 2018vs Q4 2017	$50.00K$211.00K

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.

The Farmers & Merchants Bank (WI) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%^*	$15k^*	-	Health Savings Account
OTHER TIERS: 0.10% → $600 - $1.5k \| 0.15% → $1.5k - $2.5k \| 0.20% → $2.5k - $5k \| 0.50% → $5k - $15k
0.50%	-	-	FMB Kid’s Savings
0.30%^*	$25k^*	-	Minimum Balance Savings
OTHER TIERS: 0.15% → Up to $2.5k \| 0.25% → $2.5k - $25k

The Farmers & Merchants Bank (WI) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
2.53%^*	$1m^*	-	Ultimate Premium Money Market
OTHER TIERS: 1.51% → $500k - $1m
1.00%^*	$250k^*	$500k	Premium Money Market
OTHER TIERS: 0.75% → $100k - $250k
0.60%^*	$25k^*	$100k	FMB Money Market
OTHER TIERS: 0.15% → $800 - $2.5k \| 0.25% → $2.5k - $15k \| 0.55% → $15k - $25k

The Farmers & Merchants Bank (WI) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	$50k^*	-	FMB NOW Checking
OTHER TIERS: 0.15% → $800 - $2.5k \| 0.20% → $2.5k - $10k \| 0.25% → $10k - $25k \| 0.30% → $25k - $50k
0.30%^*	$25k^*	-	FMB Ultimate Interest Checking
OTHER TIERS: 0.15% → Up to $2.5k \| 0.20% → $2.5k - $10k \| 0.25% → $10k - $25k
0.30%^*	$25k^*	-	E Ultimate Interest Checking
OTHER TIERS: 0.15% → Up to $2.5k \| 0.20% → $2.5k - $10k \| 0.25% → $10k - $25k

The Farmers & Merchants Bank (WI) CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.00%	$5k	-	59 Month CD Special
2.50%	$5k	-	25 Month CD Special
2.25%	$5k	-	13 Month CD Special
2.01%	$5k	-	8 Month CD Special
1.75%	$500	-	60 Month CD
1.65%	$500	-	48 Month CD
1.50%	$500	-	36 Month CD
1.25%	$500	-	24 Month CD
1.10%	$500	-	18 Month CD
1.00%	$500	-	12 Month CD
0.65%	$500	-	6 Month CD
0.35%	$5k	-	3 Month CD Special

The Farmers & Merchants Bank (WI) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.02%	$5k	-	59 Month IRA Special
2.51%	$5k	-	25 Month IRA Special
2.26%	$5k	-	13 Month IRA Special
2.01%	$5k	-	8 Month IRA Special
1.76%	$1	-	60 Month IRA
1.66%	$1	-	48 Month IRA
1.50%	$1	-	36 Month IRA
1.25%	$1	-	24 Month IRA
1.10%	$1	-	18 Month IRA
1.00%	$1	-	12 Month IRA
0.65%	$1	-	6 Month IRA
0.35%	$1	-	3 Month IRA

Locations

The Farmers & Merchants Bank (WI) Locations
The Farmers & Merchants Bank	123 W Huron Street	Berlin, WI 54923
Berlin Drive Up Location Branch	663 Broadway St	Berlin, WI 54923

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