Farmers & Traders Bank of Campton

Farmers & Traders Bank of Campton is headquartered in Campton and is the 178^th largest bank in the state of Kentucky. It is also the 6,472^nd largest bank in the nation. It was established in 1902 and as of March of 2012, it had grown to 16 employees at 2 locations. Farmers & Traders Bank of Campton has a 5-star health rating.

Data for Q1 2012

Institution Statistics Farmers & Traders Bank of Campton FDIC Certificate # 288 BankRate Report View Year Established 1902 Employees 16 Primary Regulator FDIC Assets and Liabilities Assets $46.67 million Loans $24.73 million Deposits $40.97 million Equity Capital $4.74 million Loan Loss Allowance $522,000 Unbacked Noncurrent Loans $222,000 Real Estate Owned $46,000 Historic Data - March 2011 Assets $42.31 million Equity Capital $4.21 million Loan Loss Allowance $455,000 Unbacked Noncurrent Loans $103,000 Real Estate Owned $110,000 Profit Margin - Quarterly Net Interest Margin 4.71% Return on Assets 1.01% Return on Equity 9.6% Interest Income $541,000

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 & Traders Bank of Campton had $268,000 in non-current loans and owned real-estate with $5.26 million in equity and loan loss allowances on hand to cover it. This gives Farmers & Traders Bank of Campton a Texas Ratio of 5.10% 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 & Traders Bank of Campton held steady from 4.57% as of March 31, 2011 to 5.10% as of March 31, 2012, resulting in a negative change of 11.57%. This indicates that the balance sheet and financial strength for Farmers & Traders Bank of Campton has held steady in recent periods. Deposit Growth In the past year, Farmers & Traders Bank of Campton has increased its total deposits by $4.44 million, resulting in 12.14% 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 & Traders Bank of Campton 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 & Traders Bank of Campton has $46.67 million in assets with $5.26 million in equity, resulting in a capitalization level of 11.27%, which is above average.

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