The Farmers National Bank of Lebanon

The Farmers National Bank of Lebanon is headquartered in Lebanon and is the 142^nd largest bank in the state of Kentucky. It is also the 5,025^th largest bank in the nation. It was established in 1890 and as of March of 2012, it had grown to 26 employees at 2 locations. The Farmers National Bank of Lebanon has a 4-star health rating.

The Farmers National Bank of Lebanon Checking Account Rates

The Farmers National Bank of Lebanon Savings Account Rates

The Farmers National Bank of Lebanon Money Market Rates

The Farmers National Bank of Lebanon CD Rates

The Farmers National Bank of Lebanon IRA Rates

Data for Q1 2012

Institution Statistics The Farmers National Bank of Lebanon FDIC Certificate # 2754 BankRate Report View Year Established 1890 Employees 26 Primary Regulator OCC Assets and Liabilities Assets $97.47 million Loans $52.81 million Deposits $84.14 million Equity Capital $10.40 million Loan Loss Allowance $810,000 Unbacked Noncurrent Loans $679,000 Real Estate Owned $1.16 million Historic Data - March 2011 Assets $96.61 million Equity Capital $10.10 million Loan Loss Allowance $861,000 Unbacked Noncurrent Loans $2.26 million Profit Margin - Quarterly Net Interest Margin 3.89% Return on Assets -0.51% Return on Equity -4.63% Interest Income $1.06 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 Lebanon had $1.84 million in non-current loans and owned real-estate with $11.21 million in equity and loan loss allowances on hand to cover it. This gives The Farmers National Bank of Lebanon a Texas Ratio of 16.42% which is 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 Lebanon decreased slightly from 20.65% as of March 31, 2011 to 16.42% as of March 31, 2012, resulting in a positive change of 20.49%.This indicates that the balance sheet and financial strength for The Farmers National Bank of Lebanon has improved slightly in recent periods. Deposit Growth In the past year, The Farmers National Bank of Lebanon has increased its total deposits by $1.5 million, resulting in 1.82% 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 Lebanon 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 Lebanon has $97.47 million in assets with $11.21 million in equity, resulting in a capitalization level of 11.50%, which is above average.

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