Farmers Bank & Capital Trust Company

Farmers Bank & Capital Trust Company Locations

Farmers Bank Plaza
Frankfort, KY 40601
(502) 227-1600
www.farmersfrankfort.com

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Farmers Bank & Capital Trust Company is headquartered in Frankfort and is the 14^st largest bank in the state of Kentucky. It is also the 911^st largest bank in the nation. It was established in 1850 and as of March of 2012, it had grown to 145 employees at 9 locations. Farmers Bank & Capital Trust Company has a 3-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Farmers Bank & Capital Trust Company Checking Account Rates

Apy	Min	Max	Product
0.01%	$50	-	Interest Checking Account
0.01%	$50	-	Premier Members Checking Account

Farmers Bank & Capital Trust Company Savings Account Rates

Apy	Min	Max	Product
0.10%	$50	-	Green Thumb Savings Account
0.10%	$50	-	Regular Savings Account
0.10%	-	-	Interest Earners Account
0.10%	-	-	Christmas Club Account

Farmers Bank & Capital Trust Company Money Market Rates

	Apy	Min	Max	Product
	0.05%	$50	-	Money Market Checking Account

Farmers Bank & Capital Trust Company CD Rates

Apy	Min	Max	Product
1.00%	$500	-	72-120 Month CD
0.90%	$500	-	48-71 Month CD
0.75%	$500	-	36-47 Month CD
0.70%	$500	-	4 Year Flex-Spender CD
0.55%	$1k	-	3 Year Flex-Saver CD
0.50%	$500	-	2 Year CD
0.40%	$1k	-	30 Month Flex-Saver CD
0.35%	$500	-	18-23 Month CD
0.30%	$500	-	1 Year CD
0.30%	$500	-	12 Month Variable CD
0.30%	$500	-	13-17 Month CD
0.30%	$1k	-	2 Year Flex-Saver CD
0.20%	$500	-	9-11 Month CD
0.20%	$1k	-	13 Month Great Expectations II CD
0.15%	$500	-	6-8 Month CD
0.15%	$1k	-	9 Month Great Expectations CD
0.10%	$500	-	32-90 Day CD
0.10%	$500	-	91-180 Day CD

Farmers Bank & Capital Trust Company IRA Rates

Apy	Min	Max	Product
1.00%	$500	-	72-120 Month IRA
0.90%	$500	-	48-71 Month IRA
0.75%	$500	-	36-47 Month IRA
0.50%	$500	-	2 Year IRA
0.35%	$500	-	18-23 Month IRA
0.30%	$500	-	1 Year Fixed IRA
0.30%	$500	-	1 Year Variable IRA
0.30%	$500	-	13-17 Month IRA
0.20%	$500	-	9-11 Month IRA
0.15%	$500	-	6-8 Month IRA
0.10%	$500	-	91-180 Day IRA

Rates updated: 4/27/2012

Data for Q1 2012

Institution Statistics

Farmers Bank & Capital Trust Company
FDIC Certificate #	15437
BankRate Report	View
Year Established	1850
Employees	145
Primary Regulator	FED
Assets and Liabilities
Assets	$731.49 million
Loans	$345.02 million
Deposits	$569.34 million
Equity Capital	$73.87 million
Loan Loss Allowance	$9.36 million
Unbacked Noncurrent Loans	$18.88 million
Real Estate Owned	$15.08 million
Historic Data - March 2011
Assets	$786.46 million
Equity Capital	$66.70 million
Loan Loss Allowance	$11.89 million
Unbacked Noncurrent Loans	$25.46 million
Real Estate Owned	$7.28 million
Profit Margin - Quarterly
Net Interest Margin	3.14%
Return on Assets	0.36%
Return on Equity	3.56%
Interest Income	$6.90 million

Institution Health

Overall Score:

3 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 Bank & Capital Trust Company had $33.95 million in non-current loans and owned real-estate with $83.23 million in equity and loan loss allowances on hand to cover it. This gives Farmers Bank & Capital Trust Company a Texas Ratio of 40.79% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Farmers Bank & Capital Trust Company held steady from 41.66% as of March 31, 2011 to 40.79% as of March 31, 2012, resulting in a positive change of 2.07%.This indicates that the balance sheet and financial strength for Farmers Bank & Capital Trust Company has held steady in recent periods.
Deposit Growth
In the past year, Farmers Bank & Capital Trust Company has decreased its total deposits by -$11.42 million, resulting in -1.97% 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 Bank & Capital Trust Company has shown is below average.
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 Bank & Capital Trust Company has $731.49 million in assets with $83.23 million in equity, resulting in a capitalization level of 11.38%, which is above average.

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