Farmers Savings Bank & Trust

Farmers Savings Bank & Trust is headquartered in Traer and is the 99^th largest bank in the state of Iowa. It is also the 3,394^th largest bank in the nation. It was established in 1915 and as of March of 2012, it had grown to 28 employees at 2 locations. Farmers Savings Bank & Trust has a 5-star health rating.

Data for Q1 2012

Institution Statistics Farmers Savings Bank & Trust FDIC Certificate # 10122 BankRate Report View Year Established 1915 Employees 28 Primary Regulator FDIC Assets and Liabilities Assets $179.76 million Loans $69.65 million Deposits $163.40 million Equity Capital $11.66 million Loan Loss Allowance $537,000 Real Estate Owned $86,000 Historic Data - March 2011 Assets $161.45 million Equity Capital $10.83 million Loan Loss Allowance $622,000 Unbacked Noncurrent Loans $224,000 Real Estate Owned $44,000 Profit Margin - Quarterly Net Interest Margin 2.53% Return on Assets 0.89% Return on Equity 13.14% Interest Income $1.34 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 Savings Bank & Trust had $86,000 in non-current loans and owned real-estate with $12.19 million in equity and loan loss allowances on hand to cover it. This gives Farmers Savings Bank & Trust a Texas Ratio of 0.71% 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 Savings Bank & Trust decreased significantly from 5.49% as of March 31, 2011 to 0.71% as of March 31, 2012, resulting in a positive change of 87.16%.This indicates that the balance sheet and financial strength for Farmers Savings Bank & Trust has improved significantly in recent periods. Deposit Growth In the past year, Farmers Savings Bank & Trust has increased its total deposits by $17.08 million, resulting in 11.67% 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 & Trust 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 & Trust has $179.76 million in assets with $12.19 million in equity, resulting in a capitalization level of 6.78%, which is below average.

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