Institution Statistics
| Farmers Bank & Trust Company | | FDIC Certificate # | 1291 | | BankRate Report | View | | Year Established | 1906 | | Employees | 159 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $716.67 million | | Loans | $499.59 million | | Deposits | $623.02 million | | Equity Capital | $74.66 million | | Loan Loss Allowance | $10.10 million | | Unbacked Noncurrent Loans | $11.10 million | | Real Estate Owned | $7.42 million |
Historic Data - September 2010 | | Assets | $659.58 million | | Equity Capital | $69.95 million | | Loan Loss Allowance | $8.33 million | | Unbacked Noncurrent Loans | $12.29 million | | Real Estate Owned | $4.41 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.23% | | Return on Assets | 1.43% | | Return on Equity | 14.15% | | Interest Income | $25.68 million |
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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 September 30, 2011 Farmers Bank & Trust had $18.53 million in non-current loans and owned real-estate with $84.76 million in equity and loan loss allowances on hand to cover it. This gives Farmers Bank & Trust a Texas Ratio of 21.86% 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 held steady from 21.31% as of September 30, 2010 to 21.86% as of September 30, 2011, resulting in a negative change of 2.58%. This indicates that the balance sheet and financial strength for Farmers Bank & Trust has held steady in recent periods. | | Deposit Growth |  | | In the past year, Farmers Bank & Trust has increased its total deposits by $62.91 million, resulting in 11.23% 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 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 has $716.66 million in assets with $84.76 million in equity, resulting in a capitalization level of 11.83%, which is above average. |
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