Minimum Regulatory Capital Requirements (Tables)

12 Months Ended

Dec. 31, 2013

Summary of Bank's Actual and Required Capital Amounts and Ratios

The Company and the Bank’s actual and required capital amounts and ratios as of December 31, 2013 and 2012 are as follows:


	Actual					For Capital Adequacy Purposes					To Be Well Capitalized Under the Prompt Corrective Action Provisions
As of December 31, 2013	(000’s) Amount		Ratio			(000’s) Amount		Ratio			(000’s) Amount		Ratio
Total Risk-Based Capital (to Risk Weighted Assets) Consolidated	$	107,752		16.34	%	$	52,756		8.00	%	$	N/A		N/A
Farmers & Merchants State Bank		92,838		14.10	%		52,674		8.00	%		65,843		10.00	%
Tier 1 Capital (to Risk Weighted Assets) Consolidated		102,395		15.53	%		26,378		4.00	%		N/A		N/A
Farmers & Merchants State Bank		87,481		13.29	%		26,337		4.00	%		39,506		6.00	%
Tier 1 Capital (to Adjusted Total Assets) Consolidated		102,395		10.88	%		37,644		4.00	%		N/A		N/A
Farmers & Merchants State Bank		87,481		9.40	%		37,228		4.00	%		46,535		4.00	%


	Actual					Adequacy Purposes					Provisions
As of December 31, 2012	(000’s) Amount		Ratio			(000’s) Amount		Ratio			(000’s) Amount		Ratio
Total Risk-Based Capital (to Risk Weighted Assets) Consolidated	$	104,446		17.35	%	$	48,167		8.00	%		N/A		N/A
Farmers & Merchants State Bank		88,746		14.74	%		48,167		8.00	%	$	60,208		10.00	%
Tier 1 Capital (to Risk Weighted Assets) Consolidated		99,059		16.45	%		24,084		4.00	%		N/A		N/A
Farmers & Merchants State Bank		83,359		13.85	%		24,083		4.00	%		36,125		6.00	%
Tier 1 Capital (to Adjusted Total Assets) Consolidated		99,059		10.67	%		37,152		4.00	%		N/A		N/A
Farmers & Merchants State Bank		83,359		8.92	%		37,368		4.00	%		46,710		5.00	%

- Definition

Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity.

+ References+ Details