Farmers Deposit Bank

Farmers Deposit Bank is headquartered in Eminence and is the 167^th largest bank in the state of Kentucky. It is also the 6,063^rd largest bank in the nation. It was established in 1867 and as of March of 2012, it had grown to 17 employees at 2 locations. Farmers Deposit Bank has a 3-star health rating.

Farmers Deposit Bank Routing Number: 083902701

Data for Q1 2012

Institution Statistics Farmers Deposit Bank FDIC Certificate # 9686 BankRate Report View Year Established 1867 Employees 17 Primary Regulator FDIC Assets and Liabilities Assets $60.26 million Loans $38.53 million Deposits $50.10 million Equity Capital $9.96 million Loan Loss Allowance $894,000 Unbacked Noncurrent Loans $1.51 million Real Estate Owned $2.09 million Historic Data - March 2011 Assets $60.84 million Equity Capital $9.61 million Loan Loss Allowance $1.59 million Unbacked Noncurrent Loans $2.92 million Real Estate Owned $843,000 Profit Margin - Quarterly Net Interest Margin 4.8% Return on Assets 0.79% Return on Equity 4.77% Interest Income $728,000

Institution Health Overall Score: 3 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 Deposit Bank had $3.6 million in non-current loans and owned real-estate with $10.86 million in equity and loan loss allowances on hand to cover it. This gives Farmers Deposit Bank a Texas Ratio of 33.15% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Farmers Deposit Bank held steady from 33.57% as of March 31, 2011 to 33.15% as of March 31, 2012, resulting in a positive change of 1.28%.This indicates that the balance sheet and financial strength for Farmers Deposit Bank has held steady in recent periods. Deposit Growth In the past year, Farmers Deposit Bank has decreased its total deposits by $-740,000, resulting in -1.46% 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 Deposit 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 Deposit Bank has $60.26 million in assets with $10.86 million in equity, resulting in a capitalization level of 18.01%, which is excellent.

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