Farmers & Traders Savings Bank

Farmers & Traders Savings Bank is headquartered in Bancroft and is the 266^th largest bank in the state of Iowa. It is also the 6,119^st largest bank in the nation. It was established in 1887 and as of March of 2012, it had grown to 11 employees at 1 location. Farmers & Traders Savings Bank has a 5-star health rating.

Data for Q1 2012

Institution Statistics Farmers & Traders Savings Bank FDIC Certificate # 16717 BankRate Report View Year Established 1887 Employees 11 Primary Regulator FDIC Assets and Liabilities Assets $58.12 million Loans $32.30 million Deposits $46.00 million Equity Capital $5.29 million Loan Loss Allowance $646,000 Real Estate Owned $17,000 Historic Data - March 2011 Assets $54.99 million Equity Capital $4.94 million Loan Loss Allowance $664,000 Unbacked Noncurrent Loans $18,000 Real Estate Owned $58,000 Profit Margin - Quarterly Net Interest Margin 3.17% Return on Assets 0.68% Return on Equity 7.08% Interest Income $523,000

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 Savings Bank had $17,000 in non-current loans and owned real-estate with $5.94 million in equity and loan loss allowances on hand to cover it. This gives Farmers & Traders Savings Bank a Texas Ratio of 0.29% 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 Savings Bank decreased significantly from 1.36% as of March 31, 2011 to 0.29% as of March 31, 2012, resulting in a positive change of 78.87%.This indicates that the balance sheet and financial strength for Farmers & Traders Savings Bank has improved significantly in recent periods. Deposit Growth In the past year, Farmers & Traders Savings Bank has increased its total deposits by $5.84 million, resulting in 14.54% 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 Savings Bank 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 Savings Bank has $58.12 million in assets with $5.94 million in equity, resulting in a capitalization level of 10.22%, which is above average.

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