Institution Statistics
| Farmers Savings Bank | | FDIC Certificate # | 8097 | | BankRate Report | View | | Year Established | 1891 | | Employees | 7 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $36.79 million | | Loans | $22.39 million | | Deposits | $30.86 million | | Equity Capital | $5.86 million | | Loan Loss Allowance | $124,000 | | Unbacked Noncurrent Loans | $215,000 |
Historic Data - March 2011 | | Assets | $33.95 million | | Equity Capital | $5.78 million | | Loan Loss Allowance | $124,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.42% | | Return on Assets | 0.83% | | Return on Equity | 5.11% | | Interest Income | $336,000 |
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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 Savings Bank (IA) had $215,000 in non-current loans and owned real-estate with $5.99 million in equity and loan loss allowances on hand to cover it. This gives Farmers Savings Bank (IA) a Texas Ratio of 3.59% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Farmers Savings Bank (IA) has increased its total deposits by $2.77 million, resulting in 9.87% 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 Savings Bank (IA) 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 Savings Bank (IA) has $36.79 million in assets with $5.99 million in equity, resulting in a capitalization level of 16.27%, which is excellent. |
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