Farmers Bank & Trust, National Association

Farmers Bank & Trust, National Association is headquartered in Great Bend and is the 14^st largest bank in the state of Kansas. It is also the 994^th largest bank in the nation. It was established in 1907 and as of March of 2012, it had grown to 201 employees at 9 locations. Farmers Bank & Trust, National Association has a 4-star health rating.

Data for Q1 2012

Institution Statistics Farmers Bank & Trust, National Association FDIC Certificate # 17614 BankRate Report View Year Established 1907 Employees 201 Primary Regulator OCC Assets and Liabilities Assets $666.77 million Loans $260.24 million Deposits $455.49 million Equity Capital $83.58 million Loan Loss Allowance $7.35 million Unbacked Noncurrent Loans $10.74 million Real Estate Owned $8.90 million Historic Data - March 2011 Assets $642.40 million Equity Capital $70.22 million Loan Loss Allowance $8.60 million Unbacked Noncurrent Loans $16.43 million Real Estate Owned $11.97 million Profit Margin - Quarterly Net Interest Margin 3.04% Return on Assets 2.84% Return on Equity 23.19% Interest Income $6.92 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 & Trust, National Association had $19.64 million in non-current loans and owned real-estate with $90.93 million in equity and loan loss allowances on hand to cover it. This gives Farmers Bank & Trust, National Association a Texas Ratio of 21.59% 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 Bank & Trust, National Association decreased significantly from 36.03% as of March 31, 2011 to 21.59% as of March 31, 2012, resulting in a positive change of 40.07%.This indicates that the balance sheet and financial strength for Farmers Bank & Trust, National Association has improved significantly in recent periods. Deposit Growth In the past year, Farmers Bank & Trust, National Association has increased its total deposits by $990,000, resulting in 0.22% 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, National Association 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 & Trust, National Association has $666.76 million in assets with $90.93 million in equity, resulting in a capitalization level of 13.64%, which is excellent.

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