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SAFE & SOUND® STAR RATINGS

FARMERS & MERCHANTS BANK

1001 SUPERIOR AVENUE
TOMAH, Wisconsin 54660

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2016
Federal Reserve System Identifier 2040




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$197,268$196,340$198,160
Loans Receivable, Net123,115120,266118,950
Mortgage-Backed Securities12,02012,60816,592
Investments44,65944,75242,675
Deposits140,499140,338163,874
Borrowings32,66532,45012,213
Equity22,87922,45721,639
Net Interest Income1,4905,7695,732
Fee Income68274273
Overhead1,2735,0795,238
Net Operating Income5001,542998
Net Income3861,249922
Ratio Analysis Profitability%%%
Return on Assets *0.700.630.46
Operating Return on Assets *0.870.780.49
Return on Equity *6.135.624.33
Net Interest Margin *3.213.173.06
Fee Income / Assets *0.140.140.14
Overhead / Assets *2.612.572.59
Efficiency Ratio71.8075.9678.85
Asset Quality%%%
Nonperforming Assets / Assets1.531.562.17
Nonperforming Assets / Equity & Loss Reserves11.4811.8517.08
Loss Reserves / Nonperforming Loans123.84123.8181.43
1-4 Fam Mtg + MBS / Assets17.5718.6320.20
Commercial Real Estate Loans / Assets29.7729.6930.21
Construction Loans / Assets4.792.832.79
Commercial & Industrial Loans / Assets12.6211.7712.96
Consumer Loans / Assets0.660.700.76
Capitalization%%%
Equity / Assets11.6011.4410.92
Tangible Capital / Tangible Assets11.6011.4410.92
Risk-based Capital Ratio15.9116.0217.17
Liquidity%%%
Loans / Deposits87.6385.7072.59
Non-Interest Bearing Deposits / Deposits15.1819.1815.65
Purchased Liabilities25.9026.2515.32

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