Farmer's Citizens Bank

Farmer's Citizens Bank is headquartered in Bucyrus and is the 58^th largest bank in the state of Ohio. It is also the 1,839^th largest bank in the nation. It was established in 1908 and as of September of 2011, it had grown to 76 employees at 7 locations. Farmer's Citizens Bank's savings rates are 3X the national average, and it boasts a 5-star health rating.

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Data for Q3 2011

Institution Statistics The Farmers Citizens Bank FDIC Certificate # 10267 BankRate Report View Year Established 1908 Employees 76 Primary Regulator FED Assets and Liabilities Assets $356.32 million Loans $196.27 million Deposits $310.89 million Equity Capital $31.60 million Loan Loss Allowance $2.81 million Unbacked Noncurrent Loans $385,000 Historic Data - September 2010 Assets $358.29 million Equity Capital $29.94 million Loan Loss Allowance $2.37 million Unbacked Noncurrent Loans $923,000 Real Estate Owned $28,000 Profit Margin - Quarterly Net Interest Margin 3.25% Return on Assets 0.69% Return on Equity 8.04% Interest Income $11.34 million

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 September 30, 2011 Farmer's Citizens Bank had $385,000 in non-current loans and owned real-estate with $34.41 million in equity and loan loss allowances on hand to cover it. This gives Farmer's Citizens Bank a Texas Ratio of 1.12% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Farmer's Citizens Bank decreased significantly from 2.94% as of September 30, 2010 to 1.12% as of September 30, 2011, resulting in a positive change of 62.00%.This indicates that the balance sheet and financial strength for Farmer's Citizens Bank has improved significantly in recent periods. Deposit Growth In the past year, Farmer's Citizens Bank has decreased its total deposits by -$2.57 million, resulting in -0.82% 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 Farmer's Citizens Bank 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. Farmer's Citizens Bank has $356.32 million in assets with $34.41 million in equity, resulting in a capitalization level of 9.66%, which is average.

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