Minimum Regulatory Capital Requirements (Tables)

12 Months Ended

Dec. 31, 2014

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, 2014 and 2013 are as follows:


											To Be Well Capitalized
	Actual					For Capital Adequacy Purposes					Under the Prompt Corrective Action Provisions
As of December 31, 2014	(000’s) Amount		Ratio			(000’s) Amount		Ratio			(000’s) Amount		Ratio
Total Risk-Based Capital (to Risk Weighted Assets)
Consolidated	$	114,702		16.68	%	$	55,028		8.00	%	$	N/A		N/A
Farmers & Merchants State Bank		98,154		14.35	%		54,710		8.00	%		68,388		10.00	%
Tier 1 Capital (to Risk Weighted Assets)
Consolidated		108,590		15.79	%		27,514		4.00	%		N/A		N/A
Farmers & Merchants State Bank		92,042		13.46	%		27,355		4.00	%		41,033		6.00	%
Tier 1 Capital (to Adjusted Total Assets)
Consolidated		108,590		11.70	%		37,111		4.00	%		N/A		N/A
Farmers & Merchants State Bank		92,042		10.01	%		36,785		4.00	%		45,981		5.00	%


											To Be Well Capitalized
	Actual					For Capital Adequacy Purposes					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		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.

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