Safe & Sound » Bank Ratings » FARMERS & MERCHANTS BANK


SAFE & SOUND® STAR RATINGS

FARMERS & MERCHANTS BANK

1001 SUPERIOR AVENUE
TOMAH, Wisconsin 54660

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of March 31, 2015
Federal Reserve System Identifier 2040




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$194,572$198,160$203,846
Loans Receivable, Net117,620118,950112,642
Mortgage-Backed Securities15,86516,59220,213
Investments43,44642,67538,453
Deposits148,860163,874177,207
Borrowings23,34812,2136,776
Equity21,96821,63919,369
Net Interest Income1,4045,7325,674
Fee Income64273355
Overhead1,2115,2385,132
Net Operating Income3309981,292
Net Income2599221,114
Ratio Analysis Profitability%%%
Return on Assets *0.450.460.56
Operating Return on Assets *0.510.490.65
Return on Equity *4.214.335.56
Net Interest Margin *3.113.063.08
Fee Income / Assets *0.130.140.18
Overhead / Assets *2.582.592.57
Efficiency Ratio75.6478.8576.75
Asset Quality%%%
Nonperforming Assets / Assets2.752.170.80
Nonperforming Assets / Equity & Loss Reserves20.9417.086.93
Loss Reserves / Nonperforming Loans67.6781.43267.17
1-4 Fam Mtg + MBS / Assets19.7020.2020.85
Commercial Real Estate Loans / Assets29.8530.2128.24
Construction Loans / Assets2.842.794.20
Commercial & Industrial Loans / Assets14.3612.9610.59
Consumer Loans / Assets0.740.760.88
Capitalization%%%
Equity / Assets11.2910.929.50
Tangible Capital / Tangible Assets11.2910.929.50
Risk-based Capital Ratio15.5817.1716.55
Liquidity%%%
Loans / Deposits79.0172.5963.57
Non-Interest Bearing Deposits / Deposits12.9715.6511.28
Purchased Liabilities20.7515.3214.55

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

Connect with us