Institution Statistics
| Farmers State Bank | | FDIC Certificate # | 16116 | | BankRate Report | View | | Year Established | 1889 | | Employees | 14 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $54.07 million | | Loans | $34.31 million | | Deposits | $43.90 million | | Equity Capital | $6.49 million | | Loan Loss Allowance | $163,000 |
Historic Data - March 2011 | | Assets | $46.10 million | | Equity Capital | $4.56 million | | Loan Loss Allowance | $551,000 | | Unbacked Noncurrent Loans | $597,000 | | Real Estate Owned | $50,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.22% | | Return on Assets | -0.3% | | Return on Equity | -2.3% | | Interest Income | $599,000 |
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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 State Bank (16116) had $0 in non-current loans and owned real-estate with $6.65 million in equity and loan loss allowances on hand to cover it. This gives Farmers State Bank (16116) a Texas Ratio of 0.00% 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 State Bank (16116) has increased its total deposits by $6.55 million, resulting in 17.55% 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 State Bank (16116) 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 State Bank (16116) has $54.07 million in assets with $6.65 million in equity, resulting in a capitalization level of 12.30%, which is excellent. |
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