Institution Statistics
| Farmers Bank & Trust | | FDIC Certificate # | 4621 | | BankRate Report | View | | Year Established | 1914 | | Employees | 18 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $84.93 million | | Loans | $21.31 million | | Deposits | $77.29 million | | Equity Capital | $7.44 million | | Loan Loss Allowance | $311,000 | | Unbacked Noncurrent Loans | $2,000 |
Historic Data - March 2011 | | Assets | $76.30 million | | Equity Capital | $5.77 million | | Loan Loss Allowance | $298,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.17% | | Return on Assets | 0.93% | | Return on Equity | 10.61% | | Interest Income | $595,000 |
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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 & Trust (KS) had $2,000 in non-current loans and owned real-estate with $7.75 million in equity and loan loss allowances on hand to cover it. This gives Farmers Bank & Trust (KS) a Texas Ratio of 0.03% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Farmers Bank & Trust (KS) has increased its total deposits by $6.9 million, resulting in 9.81% 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 & Trust (KS) 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 Bank & Trust (KS) has $84.92 million in assets with $7.75 million in equity, resulting in a capitalization level of 9.12%, which is average. |
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