The Farmers State Bank of Oakley, Kansas

The Farmers State Bank of Oakley, Kansas is headquartered in Oakley and is the 111^st largest bank in the state of Kansas. It is also the 4,616^st largest bank in the nation. It was established in 1907 and as of March of 2012, it had grown to 17 employees at 1 location. The Farmers State Bank of Oakley, Kansas has a 5-star health rating.

Data for Q1 2012

Institution Statistics The Farmers State Bank of Oakley, Kansas FDIC Certificate # 1867 BankRate Report View Year Established 1907 Employees 17 Primary Regulator FDIC Assets and Liabilities Assets $113.72 million Loans $40.88 million Deposits $91.26 million Equity Capital $14.70 million Loan Loss Allowance $801,000 Unbacked Noncurrent Loans $74,000 Real Estate Owned $397,000 Historic Data - March 2011 Assets $100.57 million Equity Capital $12.97 million Loan Loss Allowance $802,000 Unbacked Noncurrent Loans $100,000 Real Estate Owned $119,000 Profit Margin - Quarterly Net Interest Margin 3.21% Return on Assets 1.07% Return on Equity 8.13% Interest Income $1.05 million

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 State Bank of Oakley, Kansas had $471,000 in non-current loans and owned real-estate with $15.5 million in equity and loan loss allowances on hand to cover it. This gives The Farmers State Bank of Oakley, Kansas a Texas Ratio of 3.04% 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 State Bank of Oakley, Kansas held steady from 1.56% as of March 31, 2011 to 3.04% as of March 31, 2012, resulting in a negative change of 94.61%. This indicates that the balance sheet and financial strength for The Farmers State Bank of Oakley, Kansas has held steady in recent periods. Deposit Growth In the past year, The Farmers State Bank of Oakley, Kansas has increased its total deposits by $11.97 million, resulting in 15.09% 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 State Bank of Oakley, Kansas has shown is excellent. 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 State Bank of Oakley, Kansas has $113.72 million in assets with $15.5 million in equity, resulting in a capitalization level of 13.63%, which is excellent.

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