The Farmers State Bank of Westmoreland

The Farmers State Bank of Westmoreland is headquartered in Westmoreland and is the 96^th largest bank in the state of Kansas. It is also the 4,222^nd largest bank in the nation. It was established in 1898 and as of March of 2012, it had grown to 24 employees at 2 locations. The Farmers State Bank of Westmoreland's savings rates are 2X the national average, and it boasts a 5-star health rating.

The Farmers State Bank of Westmoreland Checking Account Rates

The Farmers State Bank of Westmoreland Savings Account Rates

The Farmers State Bank of Westmoreland Money Market Rates

The Farmers State Bank of Westmoreland CD Rates

The Farmers State Bank of Westmoreland IRA Rates

Data for Q1 2012

Institution Statistics The Farmers State Bank of Westmoreland FDIC Certificate # 15164 BankRate Report View Year Established 1898 Employees 24 Primary Regulator FDIC Assets and Liabilities Assets $131.15 million Loans $82.90 million Deposits $110.16 million Equity Capital $19.10 million Loan Loss Allowance $1.93 million Unbacked Noncurrent Loans $2.51 million Real Estate Owned $1.10 million Historic Data - March 2011 Assets $124.79 million Equity Capital $17.99 million Loan Loss Allowance $2.01 million Unbacked Noncurrent Loans $5.20 million Real Estate Owned $981,000 Profit Margin - Quarterly Net Interest Margin 3.72% Return on Assets 0.72% Return on Equity 4.92% Interest Income $1.52 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 Westmoreland had $3.61 million in non-current loans and owned real-estate with $21.02 million in equity and loan loss allowances on hand to cover it. This gives The Farmers State Bank of Westmoreland a Texas Ratio of 17.17% 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 State Bank of Westmoreland decreased significantly from 30.91% as of March 31, 2011 to 17.17% as of March 31, 2012, resulting in a positive change of 44.43%.This indicates that the balance sheet and financial strength for The Farmers State Bank of Westmoreland has improved significantly in recent periods. Deposit Growth In the past year, The Farmers State Bank of Westmoreland has increased its total deposits by $5.3 million, resulting in 5.05% 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 Westmoreland 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 Westmoreland has $131.15 million in assets with $21.02 million in equity, resulting in a capitalization level of 16.03%, which is excellent.

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