The Farmers State Bank

205 Lincoln
Circleville, KS 66416
(785) 924-3311
www.fsbks.com

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The Farmers State Bank is headquartered in Holton and is the 209^th largest bank in the state of Kansas. It is also the 6,146^th largest bank in the nation. It was established in 1900 and as of March of 2012, it had grown to 19 employees at 2 locations. The Farmers State Bank has a 4-star health rating.

The Farmers State Bank (KS) Go Green Rewards Checking (Big) Rate Drop (Forum) - 7/15/2010

The top reward checking (Go Green Rewards Checking) of The Farmers State Bank (KS) just dropped their (5.51%, $25K) to a much lower (3.56%, $25K).

High-Yield Reward Checking Account at The Farmers State Bank in Kansas - Local Only - 1/4/2010

The Farmers State Bank is offering a high-yield reward checking account called Go Green Rewards Checking. It has the following rates and features if certain monthly requirements are met:5.51% APY on balances up to $25,0000.25% base rate if requirements...

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See Rates for: Checking | Savings | Money Market | CD | IRA

The Farmers State Bank Checking Account Rates

Apy	Min	Max	Product
1.08%	-	$25k	Go Green Rewards Checking
0.10%	-	-	NOW Account

The Farmers State Bank Savings Account Rates

	Apy	Min	Max	Product
	0.05%	$50	-	Signature Savings

The Farmers State Bank Money Market Rates

	Apy	Min	Max	Product
	0.25%	$25k	-	MMDA Account

The Farmers State Bank CD Rates

Apy	Min	Max	Product
1.66%	$50k	-	60 Month CD
1.16%	$500	-	FSB Advantage - 36 Month Variable
1.06%	$50k	-	24 Month CD
0.91%	$50k	-	15 Month CD
0.86%	$50k	-	12 Month CD
0.70%	$50k	-	6 Month CD
0.43%	$500	-	9 Month CD
0.30%	-	-	Early Saver - 60 Month Variable

The Farmers State Bank IRA Rates

Apy	Min	Max	Product
1.66%	$50k	-	60 Month IRA
1.66%	$50k	-	60 Month Roth IRA
1.66%	$50k	-	60 Month CESA
1.66%	$50k	-	60 Month SEP IRA
1.06%	$50k	-	24 Month IRA
1.06%	$50k	-	24 Month Roth IRA
1.06%	$50k	-	24 Month CESA
1.06%	$50k	-	24 Month SEP IRA
0.91%	$50k	-	15 Month IRA
0.91%	$50k	-	15 Month Roth IRA
0.91%	$50k	-	15 Month CESA
0.91%	$50k	-	15 Month SEP IRA
0.86%	$50k	-	12 Month IRA
0.86%	$50k	-	12 Month Roth IRA
0.86%	$50k	-	12 Month CESA
0.86%	$50k	-	12 Month SEP IRA
0.70%	$50k	-	6 Month IRA
0.70%	$50k	-	6 Month Roth IRA
0.70%	$50k	-	6 Month CESA
0.70%	$50k	-	6 Month SEP IRA
0.43%	$500	-	9 Month IRA
0.43%	$500	-	9 Month Roth IRA
0.43%	$500	-	9 Month CESA
0.43%	$500	-	9 Month SEP IRA

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

The Farmers State Bank
FDIC Certificate #	15258
BankRate Report	View
Year Established	1900
Employees	19
Primary Regulator	FDIC
Assets and Liabilities
Assets	$57.25 million
Loans	$32.67 million
Deposits	$48.34 million
Equity Capital	$5.20 million
Loan Loss Allowance	$326,000
Unbacked Noncurrent Loans	$572,000
Historic Data - March 2011
Assets	$57.09 million
Equity Capital	$5.11 million
Loan Loss Allowance	$344,000
Unbacked Noncurrent Loans	$460,000
Real Estate Owned	$175,000
Profit Margin - Quarterly
Net Interest Margin	3.19%
Return on Assets	-0.05%
Return on Equity	-0.54%
Interest Income	$607,000

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 State Bank had $572,000 in non-current loans and owned real-estate with $5.52 million in equity and loan loss allowances on hand to cover it. This gives The Farmers State Bank a Texas Ratio of 10.36% which is above 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 held steady from 11.64% as of March 31, 2011 to 10.36% as of March 31, 2012, resulting in a positive change of 11.01%.This indicates that the balance sheet and financial strength for The Farmers State Bank has held steady in recent periods.
Deposit Growth
In the past year, The Farmers State Bank has increased its total deposits by $24,000, resulting in 0.05% 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 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 State Bank has $57.25 million in assets with $5.52 million in equity, resulting in a capitalization level of 9.64%, which is average.