FARMERS TRUST & SAVINGS BANK

FARMERS TRUST & SAVINGS BANK is headquartered in Williamsburg and is the 146^th largest bank in the state of Iowa. It is also the 4,187^th largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 17 employees at 2 locations. FARMERS TRUST & SAVINGS BANK has a 5-star health rating.

FARMERS TRUST & SAVINGS BANK Routing Number: 073906160

Data for Q1 2012

Institution Statistics FARMERS TRUST & SAVINGS BANK FDIC Certificate # 14392 BankRate Report View Year Established 1934 Employees 17 Primary Regulator FDIC Assets and Liabilities Assets $132.74 million Loans $71.30 million Deposits $90.87 million Equity Capital $25.27 million Loan Loss Allowance $687,000 Unbacked Noncurrent Loans $354,000 Historic Data - March 2011 Assets $126.97 million Equity Capital $22.64 million Loan Loss Allowance $709,000 Unbacked Noncurrent Loans $641,000 Profit Margin - Quarterly Net Interest Margin 3.7% Return on Assets 2.59% Return on Equity 13.65% Interest Income $1.36 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 TRUST & SAVINGS BANK had $354,000 in non-current loans and owned real-estate with $25.96 million in equity and loan loss allowances on hand to cover it. This gives FARMERS TRUST & SAVINGS BANK a Texas Ratio of 1.36% 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 TRUST & SAVINGS BANK decreased significantly from 2.54% as of March 31, 2011 to 1.36% as of March 31, 2012, resulting in a positive change of 46.31%.This indicates that the balance sheet and financial strength for FARMERS TRUST & SAVINGS BANK has improved significantly in recent periods. Deposit Growth In the past year, FARMERS TRUST & SAVINGS BANK has increased its total deposits by $28,000, resulting in 0.03% 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 TRUST & SAVINGS BANK has shown is 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 TRUST & SAVINGS BANK has $132.74 million in assets with $25.96 million in equity, resulting in a capitalization level of 19.56%, which is excellent.

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