The Farmers Bank and Savings Company

The Farmers Bank and Savings Company is headquartered in Pomeroy and is the 72^nd largest bank in the state of Ohio. It is also the 2,524^th largest bank in the nation. It was established in 1904 and as of March of 2012, it had grown to 79 employees at 5 locations. The Farmers Bank and Savings Company has a 3-star health rating.

The Farmers Bank and Savings Company Checking Account Rates

The Farmers Bank and Savings Company Savings Account Rates

The Farmers Bank and Savings Company Money Market Rates

The Farmers Bank and Savings Company CD Rates

The Farmers Bank and Savings Company IRA Rates

Data for Q1 2012

Institution Statistics The Farmers Bank and Savings Company FDIC Certificate # 769 BankRate Report View Year Established 1904 Employees 79 Primary Regulator FDIC Assets and Liabilities Assets $256.41 million Loans $180.12 million Deposits $226.32 million Equity Capital $24.66 million Loan Loss Allowance $3.36 million Unbacked Noncurrent Loans $3.76 million Real Estate Owned $1.76 million Historic Data - March 2011 Assets $256.13 million Equity Capital $22.52 million Loan Loss Allowance $3.04 million Unbacked Noncurrent Loans $2.60 million Real Estate Owned $2.05 million Profit Margin - Quarterly Net Interest Margin 4.29% Return on Assets 1.04% Return on Equity 10.85% Interest Income $3.24 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 March 31, 2012 The Farmers Bank and Savings Company had $5.52 million in non-current loans and owned real-estate with $28.01 million in equity and loan loss allowances on hand to cover it. This gives The Farmers Bank and Savings Company a Texas Ratio of 19.70% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Farmers Bank and Savings Company held steady from 18.17% as of March 31, 2011 to 19.70% as of March 31, 2012, resulting in a negative change of 8.47%. This indicates that the balance sheet and financial strength for The Farmers Bank and Savings Company has held steady in recent periods. Deposit Growth In the past year, The Farmers Bank and Savings Company has decreased its total deposits by $-939,000, resulting in -0.41% 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 The Farmers Bank and Savings Company 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. The Farmers Bank and Savings Company has $256.41 million in assets with $28.01 million in equity, resulting in a capitalization level of 10.93%, which is above average.

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