SAFE & SOUND® STAR RATINGS

Financial statement

FARMERS & MERCHANTS BANK
1001 SUPERIOR AVENUE
TOMAH, Wisconsin 54660

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




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$208,364$203,846$200,588
Loans Receivable, Net112,630112,642113,278
Mortgage-Backed Securities19,45420,21313,851
Investments40,55838,45331,498
Deposits179,190177,207172,324
Borrowings7,9976,7766,577
Equity20,86419,36921,267
Net Interest Income1,4085,6745,821
Fee Income69355532
Overhead1,2725,1326,411
Net Operating Income3151,292-478
Net Income2731,1147
Ratio Analysis Profitability%%%
Return on Assets *0.530.560.00
Operating Return on Assets *0.600.65-0.24
Return on Equity *5.355.560.03
Net Interest Margin *3.033.083.16
Fee Income / Assets *0.160.180.27
Overhead / Assets *2.572.573.21
Efficiency Ratio77.3376.7594.87
Asset Quality%%%
Nonperforming Assets / Assets2.810.801.43
Nonperforming Assets / Equity & Loss Reserves23.256.9311.29
Loss Reserves / Nonperforming Loans74.39267.17153.92
1-4 Fam Mtg + MBS / Assets19.9520.8518.59
Commercial Real Estate Loans / Assets27.4328.2433.17
Construction Loans / Assets3.964.202.61
Commercial & Industrial Loans / Assets10.9510.597.60
Consumer Loans / Assets0.830.881.00
Capitalization%%%
Equity / Assets10.019.5010.60
Tangible Capital / Tangible Assets10.019.5010.60
Risk-based Capital Ratio16.8516.5516.63
Liquidity%%%
Loans / Deposits62.8663.5765.74
Non-Interest Bearing Deposits / Deposits10.7511.2810.72
Purchased Liabilities14.5614.5521.49

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