Bank Gets A Top Rating

January 16, 1991

FOWBLESBURG — The Farmers and Merchants Bank has been awarded a five-star rating by Bauer Financial Reports Inc., a Coral Gables, Fla., research firm.

The five-star rating identifies the bank as one of the safest, most creditworthy banks in the U.S.

The award is based on a zero-to-five-star rating assigned by BFR,based on its analysis of the June 30, 1990 financial data as filed with federal regulators.

The high rating indicates that the bank's tangible capital exceeds 9 percent of tangible assets; that there areno excessive delinquencies or repossessed assets; and that the bank is profitable.

BFR President Paul A. Bauer noted that out of 12,504 banks reporting for the period ending June 30, 1990, only one out of four banks, or 3,228, received the five-star rating.

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