The Farmers Bank of Milton

The Farmers Bank of Milton is headquartered in Milton and is the 65^th largest bank in the state of Kentucky. It is also the 3,039^th largest bank in the nation. It was established in 1902 and as of March of 2012, it had grown to 33 employees at 3 locations. The Farmers Bank of Milton has a 5-star health rating.

Data for Q1 2012

Institution Statistics The Farmers Bank of Milton FDIC Certificate # 12163 BankRate Report View Year Established 1902 Employees 33 Primary Regulator FDIC Assets and Liabilities Assets $206.34 million Loans $99.34 million Deposits $171.65 million Equity Capital $28.18 million Loan Loss Allowance $1.43 million Unbacked Noncurrent Loans $3.26 million Real Estate Owned $140,000 Historic Data - March 2011 Assets $180.27 million Equity Capital $25.30 million Loan Loss Allowance $965,000 Unbacked Noncurrent Loans $2.51 million Real Estate Owned $221,000 Profit Margin - Quarterly Net Interest Margin 3.15% Return on Assets 1.17% Return on Equity 8.46% Interest Income $2.12 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 The Farmers Bank of Milton had $3.4 million in non-current loans and owned real-estate with $29.61 million in equity and loan loss allowances on hand to cover it. This gives The Farmers Bank of Milton a Texas Ratio of 11.48% which is above 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 of Milton held steady from 10.39% as of March 31, 2011 to 11.48% as of March 31, 2012, resulting in a negative change of 10.47%. This indicates that the balance sheet and financial strength for The Farmers Bank of Milton has held steady in recent periods. Deposit Growth In the past year, The Farmers Bank of Milton has increased its total deposits by $21.28 million, resulting in 14.15% 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 of Milton 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. The Farmers Bank of Milton has $206.34 million in assets with $29.61 million in equity, resulting in a capitalization level of 14.35%, which is excellent.

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