The Farmers National Bank of Cynthiana

The Farmers National Bank of Cynthiana is headquartered in Cynthiana and is the 133^rd largest bank in the state of Kentucky. It is also the 4,781^st largest bank in the nation. It was established in 1881 and as of March of 2012, it had grown to 25 employees at 6 locations. The Farmers National Bank of Cynthiana has a 3-star health rating.

Data for Q1 2012

Institution Statistics The Farmers National Bank of Cynthiana FDIC Certificate # 2689 BankRate Report View Year Established 1881 Employees 25 Primary Regulator OCC Assets and Liabilities Assets $107.05 million Loans $40.10 million Deposits $83.93 million Equity Capital $12.07 million Loan Loss Allowance $3.77 million Unbacked Noncurrent Loans $12.07 million Real Estate Owned $825,000 Historic Data - March 2011 Assets $117.21 million Equity Capital $14.56 million Loan Loss Allowance $3.10 million Unbacked Noncurrent Loans $11.27 million Real Estate Owned $2.31 million Profit Margin - Quarterly Net Interest Margin 2.39% Return on Assets -4.95% Return on Equity -43.34% Interest Income $884,000

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 National Bank of Cynthiana had $12.89 million in non-current loans and owned real-estate with $15.84 million in equity and loan loss allowances on hand to cover it. This gives The Farmers National Bank of Cynthiana a Texas Ratio of 81.36% which is poor. 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 Cynthiana held steady from 75.70% as of March 31, 2011 to 81.36% as of March 31, 2012, resulting in a negative change of 7.47%. This indicates that the balance sheet and financial strength for The Farmers National Bank of Cynthiana has held steady in recent periods. Deposit Growth In the past year, The Farmers National Bank of Cynthiana has increased its total deposits by $3.96 million, resulting in 4.95% 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 Cynthiana has shown is above 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 Cynthiana has $107.05 million in assets with $15.84 million in equity, resulting in a capitalization level of 14.80%, which is excellent.

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