Farmers Bank of Lincoln

Farmers Bank of Lincoln is headquartered in Lincoln and is the 207^th largest bank in the state of Missouri. It is also the 5,173^rd largest bank in the nation. It was established in 1890 and as of March of 2012, it had grown to 22 employees at 2 locations. Farmers Bank of Lincoln has a 5-star health rating.

Farmers Bank of Lincoln Routing Number: 101208031

Data for Q1 2012

Institution Statistics Farmers Bank of Lincoln FDIC Certificate # 8267 BankRate Report View Year Established 1890 Employees 22 Primary Regulator FED Assets and Liabilities Assets $91.68 million Loans $66.77 million Deposits $77.40 million Equity Capital $9.37 million Loan Loss Allowance $856,000 Unbacked Noncurrent Loans $106,000 Real Estate Owned $492,000 Historic Data - March 2011 Assets $93.20 million Equity Capital $8.76 million Loan Loss Allowance $850,000 Unbacked Noncurrent Loans $290,000 Real Estate Owned $617,000 Profit Margin - Quarterly Net Interest Margin 4.06% Return on Assets 1.65% Return on Equity 16.19% Interest Income $1.07 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 Bank of Lincoln had $598,000 in non-current loans and owned real-estate with $10.22 million in equity and loan loss allowances on hand to cover it. This gives Farmers Bank of Lincoln a Texas Ratio of 5.85% 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 Bank of Lincoln decreased slightly from 9.44% as of March 31, 2011 to 5.85% as of March 31, 2012, resulting in a positive change of 38.05%.This indicates that the balance sheet and financial strength for Farmers Bank of Lincoln has improved slightly in recent periods. Deposit Growth In the past year, Farmers Bank of Lincoln has decreased its total deposits by $-122,000, resulting in -0.16% 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 Lincoln 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 Lincoln has $91.68 million in assets with $10.22 million in equity, resulting in a capitalization level of 11.15%, which is above average.

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