The Farmers National Bank of Buhl

The Farmers National Bank of Buhl is headquartered in Buhl and is the 8^th largest bank in the state of Idaho. It is also the 1,774^th largest bank in the nation. It was established in 1917 and as of March of 2012, it had grown to 85 employees at 6 locations. The Farmers National Bank of Buhl has a 4-star health rating.

The Farmers National Bank of Buhl Checking Account Rates

The Farmers National Bank of Buhl Savings Account Rates

The Farmers National Bank of Buhl Money Market Rates

The Farmers National Bank of Buhl CD Rates

The Farmers National Bank of Buhl IRA Rates

Data for Q1 2012

Institution Statistics The Farmers National Bank of Buhl FDIC Certificate # 2850 BankRate Report View Year Established 1917 Employees 85 Primary Regulator OCC Assets and Liabilities Assets $375.71 million Loans $168.90 million Deposits $324.10 million Equity Capital $50.98 million Loan Loss Allowance $6.34 million Unbacked Noncurrent Loans $17.20 million Real Estate Owned $3.66 million Historic Data - March 2011 Assets $369.69 million Equity Capital $47.49 million Loan Loss Allowance $8.83 million Unbacked Noncurrent Loans $27.22 million Real Estate Owned $7.78 million Profit Margin - Quarterly Net Interest Margin 3.35% Return on Assets 0.38% Return on Equity 2.81% Interest Income $3.26 million

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 National Bank of Buhl had $20.86 million in non-current loans and owned real-estate with $57.33 million in equity and loan loss allowances on hand to cover it. This gives The Farmers National Bank of Buhl a Texas Ratio of 36.38% 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 The Farmers National Bank of Buhl decreased significantly from 62.28% as of March 31, 2011 to 36.38% as of March 31, 2012, resulting in a positive change of 41.59%.This indicates that the balance sheet and financial strength for The Farmers National Bank of Buhl has improved significantly in recent periods. Deposit Growth In the past year, The Farmers National Bank of Buhl has increased its total deposits by $2.67 million, resulting in 0.83% 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 National Bank of Buhl 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 National Bank of Buhl has $375.71 million in assets with $57.33 million in equity, resulting in a capitalization level of 15.26%, which is excellent.

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