Farmers Bank of Cook

Farmers Bank of Cook is headquartered in Cook and is the 101^st largest bank in the state of Nebraska. It is also the 5,396^th largest bank in the nation. It was established in 1890 and as of March of 2012, it had grown to 31 employees at 8 locations. Farmers Bank of Cook has a 4-star health rating.

Farmers Bank of Cook Routing Number: 104905250

Data for Q1 2012

Institution Statistics Farmers Bank of Cook FDIC Certificate # 18528 BankRate Report View Year Established 1890 Employees 31 Primary Regulator FDIC Assets and Liabilities Assets $83.19 million Loans $45.77 million Deposits $74.92 million Equity Capital $7.90 million Loan Loss Allowance $752,000 Unbacked Noncurrent Loans $33,000 Real Estate Owned $743,000 Historic Data - March 2011 Assets $84.00 million Equity Capital $7.17 million Loan Loss Allowance $664,000 Unbacked Noncurrent Loans $554,000 Real Estate Owned $873,000 Profit Margin - Quarterly Net Interest Margin 4.87% Return on Assets 1.23% Return on Equity 13.13% Interest Income $1.04 million

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 Bank of Cook had $776,000 in non-current loans and owned real-estate with $8.65 million in equity and loan loss allowances on hand to cover it. This gives Farmers Bank of Cook a Texas Ratio of 8.97% which is above 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 of Cook decreased significantly from 19.65% as of March 31, 2011 to 8.97% as of March 31, 2012, resulting in a positive change of 54.36%.This indicates that the balance sheet and financial strength for Farmers Bank of Cook has improved significantly in recent periods. Deposit Growth In the past year, Farmers Bank of Cook has decreased its total deposits by $-744,000, resulting in -0.98% 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 of Cook has shown is 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 of Cook has $83.19 million in assets with $8.65 million in equity, resulting in a capitalization level of 10.40%, which is above average.

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