Farmers and Traders Savings Bank

Farmers and Traders Savings Bank is headquartered in Douds and is the 338^th largest bank in the state of Iowa. It is also the 7,195^th largest bank in the nation. It was established in 1910 and as of March of 2012, it had grown to 6 employees at 1 location. Farmers and Traders Savings Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics Farmers and Traders Savings Bank FDIC Certificate # 10896 BankRate Report View Year Established 1910 Employees 6 Primary Regulator FDIC Assets and Liabilities Assets $18.20 million Loans $13.57 million Deposits $16.25 million Equity Capital $1.87 million Loan Loss Allowance $83,000 Unbacked Noncurrent Loans $371,000 Historic Data - March 2011 Assets $17.26 million Equity Capital $1.79 million Loan Loss Allowance $83,000 Unbacked Noncurrent Loans $257,000 Profit Margin - Quarterly Net Interest Margin 3.99% Return on Assets 0.82% Return on Equity 7.98% Interest Income $210,000

Institution Health Overall Score: 4 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 Traders Savings Bank had $371,000 in non-current loans and owned real-estate with $1.96 million in equity and loan loss allowances on hand to cover it. This gives Farmers and Traders Savings Bank a Texas Ratio of 18.98% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Farmers and Traders Savings Bank increased slightly from 13.70% as of March 31, 2011 to 18.98% as of March 31, 2012, resulting in a negative change of 38.52%. This indicates that the balance sheet and financial strength for Farmers and Traders Savings Bank has declined slightly in recent periods. Deposit Growth In the past year, Farmers and Traders Savings Bank has increased its total deposits by $857,000, resulting in 5.57% 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 Traders Savings 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 Traders Savings Bank has $18.2 million in assets with $1.96 million in equity, resulting in a capitalization level of 10.74%, which is above average.

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