Institution Statistics
| Farmers Bank & Trust Company | | FDIC Certificate # | 1291 | | BankRate Report | View | | Year Established | 1906 | | Employees | 165 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $753.27 million | | Loans | $504.12 million | | Deposits | $653.56 million | | Equity Capital | $79.32 million | | Loan Loss Allowance | $11.79 million | | Unbacked Noncurrent Loans | $11.76 million | | Real Estate Owned | $5.71 million |
Historic Data - March 2011 | | Assets | $691.29 million | | Equity Capital | $69.74 million | | Loan Loss Allowance | $8.75 million | | Unbacked Noncurrent Loans | $13.48 million | | Real Estate Owned | $8.40 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.22% | | Return on Assets | 1.52% | | Return on Equity | 14.58% | | Interest Income | $8.79 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 March 31, 2012 Farmers Bank & Trust had $17.48 million in non-current loans and owned real-estate with $91.11 million in equity and loan loss allowances on hand to cover it. This gives Farmers Bank & Trust a Texas Ratio of 19.18% 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 decreased slightly from 27.86% as of March 31, 2011 to 19.18% as of March 31, 2012, resulting in a positive change of 31.14%.This indicates that the balance sheet and financial strength for Farmers Bank & Trust has improved slightly in recent periods. | | Deposit Growth |  | | In the past year, Farmers Bank & Trust has increased its total deposits by $50.22 million, resulting in 8.32% 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 $753.26 million in assets with $91.11 million in equity, resulting in a capitalization level of 12.10%, which is excellent. |
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