Farmers Trust & Savings

Farmers Trust & Savings is headquartered in Spencer and is the 46^th largest bank in the state of Iowa. It is also the 2,084^th largest bank in the nation. It was established in 1916 and as of September of 2011, it had grown to 37 employees at 1 location. Farmers Trust & Savings has a 3-star health rating.

Farmers Trust & Savings Checking Account Rates

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Data for Q3 2011

Institution Statistics Farmers Trust and Savings Bank FDIC Certificate # 12858 BankRate Report View Year Established 1916 Employees 37 Primary Regulator FDIC Assets and Liabilities Assets $310.56 million Loans $168.30 million Deposits $264.34 million Equity Capital $28.08 million Loan Loss Allowance $5.34 million Unbacked Noncurrent Loans $9.76 million Real Estate Owned $2.09 million Historic Data - September 2010 Assets $285.45 million Equity Capital $23.41 million Loan Loss Allowance $5.24 million Unbacked Noncurrent Loans $10.50 million Real Estate Owned $835,000 Profit Margin - Quarterly Net Interest Margin 3.45% Return on Assets 1.39% Return on Equity 16.04% Interest Income $9.44 million

Institution Health Overall Score: 3 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 September 30, 2011 Farmers Trust & Savings had $11.85 million in non-current loans and owned real-estate with $33.42 million in equity and loan loss allowances on hand to cover it. This gives Farmers Trust & Savings a Texas Ratio of 35.46% which is below average. 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 held steady from 39.57% as of September 30, 2010 to 35.46% as of September 30, 2011, resulting in a positive change of 10.39%.This indicates that the balance sheet and financial strength for Farmers Trust & Savings has held steady in recent periods. Deposit Growth In the past year, Farmers Trust & Savings has increased its total deposits by $21.12 million, resulting in 8.68% 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 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 has $310.56 million in assets with $33.42 million in equity, resulting in a capitalization level of 10.76%, which is above average.

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