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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 December 31, 2015
Federal Reserve System Identifier 2040




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$196,340$198,160$203,846
Loans Receivable, Net120,266118,950112,642
Mortgage-Backed Securities12,60816,59220,213
Investments44,75242,67538,453
Deposits140,338163,874177,207
Borrowings32,45012,2136,776
Equity22,45721,63919,369
Net Interest Income5,7695,7325,674
Fee Income274273355
Overhead5,0795,2385,132
Net Operating Income1,5429981,292
Net Income1,2499221,114
Ratio Analysis Profitability%%%
Return on Assets *0.630.460.56
Operating Return on Assets *0.780.490.65
Return on Equity *5.624.335.56
Net Interest Margin *3.173.063.08
Fee Income / Assets *0.140.140.18
Overhead / Assets *2.572.592.57
Efficiency Ratio75.9678.8576.75
Asset Quality%%%
Nonperforming Assets / Assets1.562.170.80
Nonperforming Assets / Equity & Loss Reserves11.8517.086.93
Loss Reserves / Nonperforming Loans123.8181.43267.17
1-4 Fam Mtg + MBS / Assets18.6320.2020.85
Commercial Real Estate Loans / Assets29.6930.2128.24
Construction Loans / Assets2.832.794.20
Commercial & Industrial Loans / Assets11.7712.9610.59
Consumer Loans / Assets0.700.760.88
Capitalization%%%
Equity / Assets11.4410.929.50
Tangible Capital / Tangible Assets11.4410.929.50
Risk-based Capital Ratio16.0217.1716.55
Liquidity%%%
Loans / Deposits85.7072.5963.57
Non-Interest Bearing Deposits / Deposits19.1815.6511.28
Purchased Liabilities26.2515.3214.55

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