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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 September 30, 2015
Federal Reserve System Identifier 2040




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$195,484$198,160$203,846
Loans Receivable, Net119,902118,950112,642
Mortgage-Backed Securities13,77416,59220,213
Investments43,34642,67538,453
Deposits140,558163,874177,207
Borrowings31,81012,2136,776
Equity22,51721,63919,369
Net Interest Income4,3025,7325,674
Fee Income203273355
Overhead3,8065,2385,132
Net Operating Income1,1189981,292
Net Income9099221,114
Ratio Analysis Profitability%%%
Return on Assets *0.650.460.56
Operating Return on Assets *0.820.490.65
Return on Equity *5.824.335.56
Net Interest Margin *3.253.063.08
Fee Income / Assets *0.140.140.18
Overhead / Assets *2.582.592.57
Efficiency Ratio76.5878.8576.75
Asset Quality%%%
Nonperforming Assets / Assets1.812.170.80
Nonperforming Assets / Equity & Loss Reserves13.5217.086.93
Loss Reserves / Nonperforming Loans103.0881.43267.17
1-4 Fam Mtg + MBS / Assets19.2520.2020.85
Commercial Real Estate Loans / Assets30.1430.2128.24
Construction Loans / Assets2.212.794.20
Commercial & Industrial Loans / Assets12.5412.9610.59
Consumer Loans / Assets0.680.760.88
Capitalization%%%
Equity / Assets11.5210.929.50
Tangible Capital / Tangible Assets11.5210.929.50
Risk-based Capital Ratio16.0917.1716.55
Liquidity%%%
Loans / Deposits85.3072.5963.57
Non-Interest Bearing Deposits / Deposits18.9315.6511.28
Purchased Liabilities26.0615.3214.55

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