Farmers Exchange Bank

Farmers Exchange Bank is headquartered in Cherokee and is the 96^th largest bank in the state of Oklahoma. It is also the 3,651^st largest bank in the nation. It was established in 1935 and as of March of 2012, it had grown to 32 employees at 5 locations. Farmers Exchange Bank has a 5-star health rating.

Farmers Exchange Bank Routing Number: 103112552

Data for Q1 2012

Institution Statistics Farmers Exchange Bank FDIC Certificate # 15118 BankRate Report View Year Established 1935 Employees 32 Primary Regulator FDIC Assets and Liabilities Assets $162.86 million Loans $64.11 million Deposits $141.81 million Equity Capital $16.00 million Loan Loss Allowance $1.34 million Unbacked Noncurrent Loans $1.15 million Historic Data - March 2011 Assets $133.08 million Equity Capital $12.16 million Loan Loss Allowance $1.24 million Unbacked Noncurrent Loans $1.60 million Profit Margin - Quarterly Net Interest Margin 4.03% Return on Assets 2.71% Return on Equity 26.58% Interest Income $1.68 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 March 31, 2012 Farmers Exchange Bank had $1.15 million in non-current loans and owned real-estate with $17.34 million in equity and loan loss allowances on hand to cover it. This gives Farmers Exchange Bank a Texas Ratio of 6.65% 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 Farmers Exchange Bank decreased significantly from 11.91% as of March 31, 2011 to 6.65% as of March 31, 2012, resulting in a positive change of 44.17%.This indicates that the balance sheet and financial strength for Farmers Exchange Bank has improved significantly in recent periods. Deposit Growth In the past year, Farmers Exchange Bank has increased its total deposits by $25.8 million, resulting in 22.24% 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 Exchange Bank 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 Exchange Bank has $162.86 million in assets with $17.34 million in equity, resulting in a capitalization level of 10.65%, which is above average.

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