Farmers State Bank of Hamel

Farmers State Bank of Hamel is headquartered in Hamel and is the 187^th largest bank in the state of Minnesota. It is also the 5,242^nd largest bank in the nation. It was established in 1919 and as of March of 2012, it had grown to 22 employees at 2 locations. Farmers State Bank of Hamel has a 4-star health rating.

Data for Q1 2012

Institution Statistics Farmers State Bank of Hamel FDIC Certificate # 8214 BankRate Report View Year Established 1919 Employees 22 Primary Regulator FDIC Assets and Liabilities Assets $89.10 million Loans $30.06 million Deposits $78.24 million Equity Capital $10.47 million Loan Loss Allowance $396,000 Real Estate Owned $1.70 million Historic Data - March 2011 Assets $83.29 million Equity Capital $9.78 million Loan Loss Allowance $362,000 Real Estate Owned $2.29 million Profit Margin - Quarterly Net Interest Margin 3.21% Return on Assets 1.11% Return on Equity 9.55% Interest Income $820,000

Institution Health Overall Score: 4 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 Hamel had $1.7 million in non-current loans and owned real-estate with $10.87 million in equity and loan loss allowances on hand to cover it. This gives Farmers State Bank of Hamel a Texas Ratio of 15.60% which is 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 Hamel decreased slightly from 22.61% as of March 31, 2011 to 15.60% as of March 31, 2012, resulting in a positive change of 31.03%.This indicates that the balance sheet and financial strength for Farmers State Bank of Hamel has improved slightly in recent periods. Deposit Growth In the past year, Farmers State Bank of Hamel has increased its total deposits by $5.13 million, resulting in 7.02% 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 Hamel 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 Hamel has $89.1 million in assets with $10.87 million in equity, resulting in a capitalization level of 12.20%, which is excellent.

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