Institution Statistics
| Farmers Trust & Savings Bank | | FDIC Certificate # | 8510 | | BankRate Report | View | | Year Established | 1892 | | Employees | 20 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $87.49 million | | Loans | $68.55 million | | Deposits | $75.33 million | | Equity Capital | $8.19 million | | Loan Loss Allowance | $956,000 | | Unbacked Noncurrent Loans | $550,000 |
Historic Data - March 2011 | | Assets | $79.59 million | | Equity Capital | $7.76 million | | Loan Loss Allowance | $921,000 | | Unbacked Noncurrent Loans | $825,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.05% | | Return on Assets | 1.42% | | Return on Equity | 15.05% | | Interest Income | $943,000 |
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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 $550,000 in non-current loans and owned real-estate with $9.14 million in equity and loan loss allowances on hand to cover it. This gives Farmers Trust & Savings Bank a Texas Ratio of 6.01% 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 slightly from 9.51% as of March 31, 2011 to 6.01% as of March 31, 2012, resulting in a positive change of 36.73%.This indicates that the balance sheet and financial strength for Farmers Trust & Savings Bank has improved slightly in recent periods. | | Deposit Growth | | | In the past year, Farmers Trust & Savings Bank has increased its total deposits by $9.59 million, resulting in 14.58% 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 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 Trust & Savings Bank has $87.49 million in assets with $9.14 million in equity, resulting in a capitalization level of 10.45%, which is above average. |
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