Farmers National Bank

Farmers National Bank is headquartered in Walton and is the 149^th largest bank in the state of Kentucky. It is also the 5,302^nd largest bank in the nation. It was established in 1931 and as of March of 2012, it had grown to 27 employees at 5 locations. Farmers National Bank has a 3-star health rating.

Farmers National Bank Routing Number: 042107754

Data for Q1 2012

Institution Statistics Farmers National Bank FDIC Certificate # 264 BankRate Report View Year Established 1931 Employees 27 Primary Regulator OCC Assets and Liabilities Assets $86.96 million Loans $51.89 million Deposits $79.06 million Equity Capital $7.71 million Loan Loss Allowance $623,000 Unbacked Noncurrent Loans $2.58 million Real Estate Owned $534,000 Historic Data - March 2011 Assets $85.62 million Equity Capital $7.68 million Loan Loss Allowance $897,000 Unbacked Noncurrent Loans $582,000 Real Estate Owned $1.02 million Profit Margin - Quarterly Net Interest Margin 3.4% Return on Assets -0.3% Return on Equity -3.36% Interest Income $848,000

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 National Bank had $3.11 million in non-current loans and owned real-estate with $8.33 million in equity and loan loss allowances on hand to cover it. This gives Farmers National Bank a Texas Ratio of 37.34% 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 National Bank increased slightly from 18.69% as of March 31, 2011 to 37.34% as of March 31, 2012, resulting in a negative change of 99.76%. This indicates that the balance sheet and financial strength for Farmers National Bank has declined slightly in recent periods. Deposit Growth In the past year, Farmers National Bank has increased its total deposits by $1.35 million, resulting in 1.73% 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 has shown is above 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 National Bank has $86.96 million in assets with $8.33 million in equity, resulting in a capitalization level of 9.58%, which is average.

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