SAFE & SOUND® STAR RATINGS

Financial statement

FARMERS & MERCHANTS BANK
1001 SUPERIOR AVENUE
TOMAH, Wisconsin 54660

STAR RATING: 2 starstar
Predictive Indicator neutral
As of June 30, 2014
Federal Reserve System Identifier 2040




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$207,297$203,846$200,588
Loans Receivable, Net113,587112,642113,278
Mortgage-Backed Securities18,53420,21313,851
Investments41,32438,45331,498
Deposits177,432177,207172,324
Borrowings8,2016,7766,577
Equity21,15319,36921,267
Net Interest Income2,6755,6745,821
Fee Income132355532
Overhead2,6825,1326,411
Net Operating Income1001,292-478
Net Income2171,1147
Ratio Analysis Profitability%%%
Return on Assets *0.350.560.00
Operating Return on Assets *0.330.65-0.24
Return on Equity *3.555.560.03
Net Interest Margin *2.883.083.16
Fee Income / Assets *0.150.180.27
Overhead / Assets *2.602.573.21
Efficiency Ratio85.3976.7594.87
Asset Quality%%%
Nonperforming Assets / Assets2.580.801.43
Nonperforming Assets / Equity & Loss Reserves20.766.9311.29
Loss Reserves / Nonperforming Loans85.93267.17153.92
1-4 Fam Mtg + MBS / Assets19.6420.8518.59
Commercial Real Estate Loans / Assets28.5328.2433.17
Construction Loans / Assets4.044.202.61
Commercial & Industrial Loans / Assets10.2910.597.60
Consumer Loans / Assets0.800.881.00
Capitalization%%%
Equity / Assets10.209.5010.60
Tangible Capital / Tangible Assets10.209.5010.60
Risk-based Capital Ratio16.6016.5516.63
Liquidity%%%
Loans / Deposits64.0263.5765.74
Non-Interest Bearing Deposits / Deposits12.0811.2810.72
Purchased Liabilities14.7414.5521.49

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