The Farmers & Merchants State Bank of Cawker City

The Farmers & Merchants State Bank of Cawker City is headquartered in Cawker City and is the 296^th largest bank in the state of Kansas. It is also the 7,222^nd largest bank in the nation. It was established in 1897 and as of March of 2012, it had grown to 3 employees at 1 location. The Farmers & Merchants State Bank of Cawker City has a 4-star health rating.

Data for Q1 2012

Institution Statistics The Farmers & Merchants State Bank of Cawker City FDIC Certificate # 17999 BankRate Report View Year Established 1897 Employees 3 Primary Regulator FDIC Assets and Liabilities Assets $15.78 million Loans $14.29 million Deposits $13.36 million Equity Capital $1.32 million Loan Loss Allowance $128,000 Historic Data - March 2011 Assets $17.38 million Equity Capital $1.38 million Loan Loss Allowance $135,000 Profit Margin - Quarterly Net Interest Margin 4.1% Return on Assets 1.78% Return on Equity 21.2% Interest Income $204,000

Institution Health Overall Score: 4 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 & Merchants State Bank of Cawker City had $0 in non-current loans and owned real-estate with $1.45 million in equity and loan loss allowances on hand to cover it. This gives The Farmers & Merchants State Bank of Cawker City a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, The Farmers & Merchants State Bank of Cawker City has decreased its total deposits by $-943,000, resulting in -6.59% 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 & Merchants State Bank of Cawker City has shown is poor. 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 & Merchants State Bank of Cawker City has $15.78 million in assets with $1.45 million in equity, resulting in a capitalization level of 9.20%, which is average.

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