SAFE & SOUND® STAR RATINGS

Financial statement

FARMERS & MERCHANTS BANK
1001 SUPERIOR AVENUE
TOMAH, Wisconsin 54660

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2013
Federal Reserve System Identifier 2040




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$203,846$200,588$192,905
Loans Receivable, Net112,642113,278122,704
Mortgage-Backed Securities20,21313,85117,572
Investments38,45331,49824,831
Deposits177,207172,324147,656
Borrowings6,7766,57723,316
Equity19,36921,26720,762
Net Interest Income5,6745,8216,246
Fee Income355532692
Overhead5,1326,4115,619
Net Operating Income1,292-478650
Net Income1,1147694
Ratio Analysis Profitability%%%
Return on Assets *0.560.000.34
Operating Return on Assets *0.65-0.240.31
Return on Equity *5.560.033.36
Net Interest Margin *3.083.163.37
Fee Income / Assets *0.180.270.34
Overhead / Assets *2.573.212.76
Efficiency Ratio76.7594.8775.65
Asset Quality%%%
Nonperforming Assets / Assets0.801.432.66
Nonperforming Assets / Equity & Loss Reserves6.9311.2920.90
Loss Reserves / Nonperforming Loans267.17153.923.10
1-4 Fam Mtg + MBS / Assets20.8518.5922.64
Commercial Real Estate Loans / Assets28.2433.1738.95
Construction Loans / Assets4.202.613.86
Commercial & Industrial Loans / Assets10.597.605.47
Consumer Loans / Assets0.881.001.29
Capitalization%%%
Equity / Assets9.5010.6010.76
Tangible Capital / Tangible Assets9.5010.6010.76
Risk-based Capital Ratio16.5516.6315.69
Liquidity%%%
Loans / Deposits63.5765.7483.10
Non-Interest Bearing Deposits / Deposits11.2810.7210.68
Purchased Liabilities14.5521.4921.92

* Calculations are based on the latest four quarters of income and expense.
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