Farmers and Drovers Bank

Farmers and Drovers Bank is headquartered in Council Grove and is the 63^rd largest bank in the state of Kansas. It is also the 2,948^th largest bank in the nation. It was established in 1882 and as of March of 2012, it had grown to 24 employees at 3 locations. Farmers and Drovers Bank has a 5-star health rating.

Farmers and Drovers Bank CD Rates

Data for Q1 2012

Institution Statistics Farmers and Drovers Bank FDIC Certificate # 12602 BankRate Report View Year Established 1882 Employees 24 Primary Regulator FDIC Assets and Liabilities Assets $215.85 million Loans $68.93 million Deposits $163.14 million Equity Capital $42.60 million Loan Loss Allowance $1.81 million Unbacked Noncurrent Loans $739,000 Real Estate Owned $173,000 Historic Data - March 2011 Assets $148.68 million Equity Capital $40.34 million Loan Loss Allowance $1.78 million Unbacked Noncurrent Loans $484,000 Real Estate Owned $70,000 Profit Margin - Quarterly Net Interest Margin 2.99% Return on Assets 1.1% Return on Equity 4.82% Interest Income $1.51 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Farmers and Drovers Bank had $912,000 in non-current loans and owned real-estate with $44.41 million in equity and loan loss allowances on hand to cover it. This gives Farmers and Drovers Bank a Texas Ratio of 2.05% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Farmers and Drovers Bank held steady from 1.32% as of March 31, 2011 to 2.05% as of March 31, 2012, resulting in a negative change of 56.13%. This indicates that the balance sheet and financial strength for Farmers and Drovers Bank has held steady in recent periods. Deposit Growth In the past year, Farmers and Drovers Bank has increased its total deposits by $73.64 million, resulting in 82.29% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Farmers and Drovers Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Farmers and Drovers Bank has $215.85 million in assets with $44.41 million in equity, resulting in a capitalization level of 20.57%, which is excellent.

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