Farmers Savings Bank (WI)

Farmers Savings Bank (WI) is headquartered in Mineral Point and is the 91^st largest bank in the state of Wisconsin. It is also the 2,729^th largest bank in the nation. It was established in 1917 and as of March of 2012, it had grown to 48 employees at 6 locations. Farmers Savings Bank (WI)'s savings rates are 2X the national average, and it boasts a 5-star health rating.

Farmers Savings Bank (WI) Checking Account Rates

Farmers Savings Bank (WI) Savings Account Rates

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Farmers Savings Bank (WI) IRA Rates

Data for Q1 2012

Institution Statistics Farmers Savings Bank FDIC Certificate # 13025 BankRate Report View Year Established 1917 Employees 48 Primary Regulator FDIC Assets and Liabilities Assets $234.93 million Loans $141.06 million Deposits $212.88 million Equity Capital $20.81 million Loan Loss Allowance $3.23 million Unbacked Noncurrent Loans $962,000 Historic Data - March 2011 Assets $225.17 million Equity Capital $19.14 million Loan Loss Allowance $2.83 million Unbacked Noncurrent Loans $2.81 million Real Estate Owned $775,000 Profit Margin - Quarterly Net Interest Margin 3.31% Return on Assets 1.79% Return on Equity 20.32% Interest Income $2.08 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 (WI) had $962,000 in non-current loans and owned real-estate with $24.03 million in equity and loan loss allowances on hand to cover it. This gives Farmers Savings Bank (WI) a Texas Ratio of 4.00% 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 (WI) decreased significantly from 16.44% as of March 31, 2011 to 4.00% as of March 31, 2012, resulting in a positive change of 75.65%.This indicates that the balance sheet and financial strength for Farmers Savings Bank (WI) has improved significantly in recent periods. Deposit Growth In the past year, Farmers Savings Bank (WI) has increased its total deposits by $8.11 million, resulting in 3.96% 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 (WI) 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 Savings Bank (WI) has $234.93 million in assets with $24.03 million in equity, resulting in a capitalization level of 10.23%, which is above average.

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