The Farmers Bank of Mt. Pulaski

The Farmers Bank of Mt. Pulaski is headquartered in Mount Pulaski and is the 496^th largest bank in the state of Illinois. It is also the 6,562^nd largest bank in the nation. It was established in 1872 and as of March of 2012, it had grown to 13 employees at 2 locations. The Farmers Bank of Mt. Pulaski's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

The Farmers Bank of Mt. Pulaski Checking Account Rates

The Farmers Bank of Mt. Pulaski Savings Account Rates

The Farmers Bank of Mt. Pulaski Money Market Rates

The Farmers Bank of Mt. Pulaski CD Rates

Data for Q1 2012

Institution Statistics The Farmers Bank of Mt. Pulaski FDIC Certificate # 11319 BankRate Report View Year Established 1872 Employees 13 Primary Regulator FDIC Assets and Liabilities Assets $43.11 million Loans $21.19 million Deposits $33.86 million Equity Capital $5.97 million Loan Loss Allowance $214,000 Unbacked Noncurrent Loans $171,000 Historic Data - March 2011 Assets $42.72 million Equity Capital $5.64 million Loan Loss Allowance $242,000 Unbacked Noncurrent Loans $596,000 Real Estate Owned $10,000 Profit Margin - Quarterly Net Interest Margin 3.64% Return on Assets 0.62% Return on Equity 4.49% Interest Income $424,000

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 Mt. Pulaski had $171,000 in non-current loans and owned real-estate with $6.18 million in equity and loan loss allowances on hand to cover it. This gives The Farmers Bank of Mt. Pulaski a Texas Ratio of 2.76% 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 The Farmers Bank of Mt. Pulaski decreased significantly from 10.30% as of March 31, 2011 to 2.76% as of March 31, 2012, resulting in a positive change of 73.16%.This indicates that the balance sheet and financial strength for The Farmers Bank of Mt. Pulaski has improved significantly in recent periods. Deposit Growth In the past year, The Farmers Bank of Mt. Pulaski has increased its total deposits by $81,000, resulting in 0.24% 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 Mt. Pulaski 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 of Mt. Pulaski has $43.1 million in assets with $6.18 million in equity, resulting in a capitalization level of 14.35%, which is excellent.

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