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SAFE & SOUND® STAR RATINGS

FARMERS & MERCHANTS BANK

1001 SUPERIOR AVENUE
TOMAH, Wisconsin 54660

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of December 31, 2014
Federal Reserve System Identifier 2040




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$198,160$203,846$200,588
Loans Receivable, Net118,950112,642113,278
Mortgage-Backed Securities16,59220,21313,851
Investments42,67538,45331,498
Deposits163,874177,207172,324
Borrowings12,2136,7766,577
Equity21,63919,36921,267
Net Interest Income5,7325,6745,821
Fee Income273355532
Overhead5,2385,1326,411
Net Operating Income9981,292-478
Net Income9221,1147
Ratio Analysis Profitability%%%
Return on Assets *0.460.560.00
Operating Return on Assets *0.490.65-0.24
Return on Equity *4.335.560.03
Net Interest Margin *3.063.083.16
Fee Income / Assets *0.140.180.27
Overhead / Assets *2.592.573.21
Efficiency Ratio78.8576.7594.87
Asset Quality%%%
Nonperforming Assets / Assets2.170.801.43
Nonperforming Assets / Equity & Loss Reserves17.086.9311.29
Loss Reserves / Nonperforming Loans81.43267.17153.92
1-4 Fam Mtg + MBS / Assets20.2020.8518.59
Commercial Real Estate Loans / Assets30.2128.2433.17
Construction Loans / Assets2.794.202.61
Commercial & Industrial Loans / Assets12.9610.597.60
Consumer Loans / Assets0.760.881.00
Capitalization%%%
Equity / Assets10.929.5010.60
Tangible Capital / Tangible Assets10.929.5010.60
Risk-based Capital Ratio17.1716.5516.63
Liquidity%%%
Loans / Deposits72.5963.5765.74
Non-Interest Bearing Deposits / Deposits15.6511.2810.72
Purchased Liabilities15.3214.5521.49

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