Farmers State Bank of Calhan

Farmers State Bank of Calhan is headquartered in Calhan and is the 40^th largest bank in the state of Colorado. It is also the 3,244^th largest bank in the nation. It was established in 1916 and as of March of 2012, it had grown to 49 employees at 3 locations. Farmers State Bank of Calhan has a 5-star health rating.

Farmers State Bank of Calhan Routing Number: 102103562

Data for Q1 2012

Institution Statistics Farmers State Bank of Calhan FDIC Certificate # 1780 BankRate Report View Year Established 1916 Employees 49 Primary Regulator FDIC Assets and Liabilities Assets $190.28 million Loans $94.43 million Deposits $157.97 million Equity Capital $20.02 million Loan Loss Allowance $1.77 million Unbacked Noncurrent Loans $1.23 million Real Estate Owned $1.57 million Historic Data - March 2011 Assets $175.69 million Equity Capital $18.11 million Loan Loss Allowance $1.77 million Unbacked Noncurrent Loans $2.34 million Real Estate Owned $1.29 million Profit Margin - Quarterly Net Interest Margin 4.91% Return on Assets 0.85% Return on Equity 8.13% Interest Income $2.63 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 State Bank of Calhan had $2.81 million in non-current loans and owned real-estate with $21.78 million in equity and loan loss allowances on hand to cover it. This gives Farmers State Bank of Calhan a Texas Ratio of 12.89% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Farmers State Bank of Calhan decreased slightly from 20.16% as of March 31, 2011 to 12.89% as of March 31, 2012, resulting in a positive change of 36.08%.This indicates that the balance sheet and financial strength for Farmers State Bank of Calhan has improved slightly in recent periods. Deposit Growth In the past year, Farmers State Bank of Calhan has increased its total deposits by $12.39 million, resulting in 8.51% 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 of Calhan 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 of Calhan has $190.28 million in assets with $21.78 million in equity, resulting in a capitalization level of 11.45%, which is above average.

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