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Re: None

Saturday, 02/23/2013 9:44:57 AM

Saturday, February 23, 2013 9:44:57 AM

Post# of 52
FMBL “well-capitalized” under all regulatory categories.

At December 31, 2012, Farmers & Merchants Bank remained “well-capitalized” under all regulatory categories, with a total risk-based capital ratio of 29.61%, a Tier 1 risk-based capital ratio of 28.35%, and a Tier 1 leverage ratio of 14.24%. The minimum ratios for capital adequacy for a well-capitalized bank are 10.00%, 6.00% and 5.00%, respectively.

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