Institution Statistics
| Farmers National Bank | | FDIC Certificate # | 4611 | | BankRate Report | View | | Year Established | 1921 | | Employees | 24 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $114.87 million | | Loans | $54.05 million | | Deposits | $100.22 million | | Equity Capital | $14.28 million | | Loan Loss Allowance | $1.26 million | | Unbacked Noncurrent Loans | $104,000 | | Real Estate Owned | $162,000 |
Historic Data - March 2011 | | Assets | $103.36 million | | Equity Capital | $13.17 million | | Loan Loss Allowance | $1.16 million | | Unbacked Noncurrent Loans | $101,000 | | Real Estate Owned | $162,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.3% | | Return on Assets | 1.02% | | Return on Equity | 8.06% | | Interest Income | $1.08 million |
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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 National Bank (KS) had $266,000 in non-current loans and owned real-estate with $15.55 million in equity and loan loss allowances on hand to cover it. This gives Farmers National Bank (KS) a Texas Ratio of 1.71% 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 National Bank (KS) held steady from 1.84% as of March 31, 2011 to 1.71% as of March 31, 2012, resulting in a positive change of 6.78%.This indicates that the balance sheet and financial strength for Farmers National Bank (KS) has held steady in recent periods. | | Deposit Growth | | | In the past year, Farmers National Bank (KS) has increased its total deposits by $10.45 million, resulting in 11.64% 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 National Bank (KS) 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 National Bank (KS) has $114.87 million in assets with $15.55 million in equity, resulting in a capitalization level of 13.53%, which is excellent. |
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