Farmers State Bank & Trust Co.

Farmers State Bank & Trust Co. is headquartered in Mount Sterling and is the 388^th largest bank in the state of Illinois. It is also the 5,499^th largest bank in the nation. It was established in 1914 and as of March of 2012, it had grown to 20 employees at 4 locations. Farmers State Bank & Trust Co. has a 4-star health rating.

Data for Q1 2012

Institution Statistics Farmers State Bank & Trust Co. FDIC Certificate # 10458 BankRate Report View Year Established 1914 Employees 20 Primary Regulator FDIC Assets and Liabilities Assets $79.47 million Loans $51.58 million Deposits $71.60 million Equity Capital $6.57 million Loan Loss Allowance $320,000 Unbacked Noncurrent Loans $809,000 Real Estate Owned $160,000 Historic Data - March 2011 Assets $76.47 million Equity Capital $6.10 million Loan Loss Allowance $293,000 Unbacked Noncurrent Loans $105,000 Real Estate Owned $484,000 Profit Margin - Quarterly Net Interest Margin 3.97% Return on Assets 0.81% Return on Equity 9.86% Interest Income $882,000

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 & Trust Co. had $969,000 in non-current loans and owned real-estate with $6.89 million in equity and loan loss allowances on hand to cover it. This gives Farmers State Bank & Trust Co. a Texas Ratio of 14.06% 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 & Trust Co. held steady from 9.21% as of March 31, 2011 to 14.06% as of March 31, 2012, resulting in a negative change of 52.68%. This indicates that the balance sheet and financial strength for Farmers State Bank & Trust Co. has held steady in recent periods. Deposit Growth In the past year, Farmers State Bank & Trust Co. has increased its total deposits by $3.01 million, resulting in 4.39% 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 & Trust Co. 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 State Bank & Trust Co. has $79.47 million in assets with $6.89 million in equity, resulting in a capitalization level of 8.67%, which is average.

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