Farmers Bank

Farmers Bank is headquartered in Greenwood and is the 57^th largest bank in the state of Arkansas. It is also the 3,311^st largest bank in the nation. It was established in 1907 and as of March of 2012, it had grown to 59 employees at 11 locations. Farmers Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics Farmers Bank FDIC Certificate # 1296 BankRate Report View Year Established 1907 Employees 59 Primary Regulator FDIC Assets and Liabilities Assets $185.36 million Loans $75.11 million Deposits $146.56 million Equity Capital $38.61 million Loan Loss Allowance $2.46 million Unbacked Noncurrent Loans $925,000 Real Estate Owned $2.91 million Historic Data - March 2011 Assets $188.10 million Equity Capital $38.24 million Loan Loss Allowance $1.83 million Unbacked Noncurrent Loans $1.45 million Real Estate Owned $2.61 million Profit Margin - Quarterly Net Interest Margin 4.93% Return on Assets 0.52% Return on Equity 2.45% Interest Income $2.08 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 had $3.84 million in non-current loans and owned real-estate with $41.07 million in equity and loan loss allowances on hand to cover it. This gives Farmers Bank a Texas Ratio of 9.34% which is above 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 held steady from 10.13% as of March 31, 2011 to 9.34% as of March 31, 2012, resulting in a positive change of 7.74%.This indicates that the balance sheet and financial strength for Farmers Bank has held steady in recent periods. Deposit Growth In the past year, Farmers Bank has decreased its total deposits by -$3.06 million, resulting in -2.04% 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 has shown is below 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 has $185.36 million in assets with $41.07 million in equity, resulting in a capitalization level of 22.16%, which is excellent.

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