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SAFE & SOUND® STAR RATINGS

FARMERS & MERCHANTS BANK

1001 SUPERIOR AVENUE
TOMAH, Wisconsin 54660

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




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$192,574$203,846$200,588
Loans Receivable, Net113,654112,642113,278
Mortgage-Backed Securities17,57820,21313,851
Investments43,29838,45331,498
Deposits162,385177,207172,324
Borrowings8,2446,7766,577
Equity21,46619,36921,267
Net Interest Income4,1055,6745,821
Fee Income205355532
Overhead3,9385,1326,411
Net Operating Income4901,292-478
Net Income5481,1147
Ratio Analysis Profitability%%%
Return on Assets *0.370.560.00
Operating Return on Assets *0.340.65-0.24
Return on Equity *3.645.560.03
Net Interest Margin *2.903.083.16
Fee Income / Assets *0.140.180.27
Overhead / Assets *2.622.573.21
Efficiency Ratio82.1176.7594.87
Asset Quality%%%
Nonperforming Assets / Assets2.760.801.43
Nonperforming Assets / Equity & Loss Reserves20.386.9311.29
Loss Reserves / Nonperforming Loans86.46267.17153.92
1-4 Fam Mtg + MBS / Assets21.2120.8518.59
Commercial Real Estate Loans / Assets30.7728.2433.17
Construction Loans / Assets2.754.202.61
Commercial & Industrial Loans / Assets12.0410.597.60
Consumer Loans / Assets0.860.881.00
Capitalization%%%
Equity / Assets11.159.5010.60
Tangible Capital / Tangible Assets11.159.5010.60
Risk-based Capital Ratio17.4816.5516.63
Liquidity%%%
Loans / Deposits69.9963.5765.74
Non-Interest Bearing Deposits / Deposits13.5611.2810.72
Purchased Liabilities13.8214.5521.49

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