Traders & Farmers Bank

Traders & Farmers Bank is headquartered in Haleyville and is the 23^rd largest bank in the state of Alabama. It is also the 1,798^th largest bank in the nation. It was established in 1906 and as of September of 2011, it had grown to 118 employees at 7 locations. Traders & Farmers Bank has a 4-star health rating.

Data for Q3 2011

Institution Statistics Traders & Farmers Bank FDIC Certificate # 47 BankRate Report View Year Established 1906 Employees 118 Primary Regulator FDIC Assets and Liabilities Assets $367.31 million Loans $166.64 million Deposits $287.76 million Equity Capital $49.82 million Loan Loss Allowance $2.63 million Unbacked Noncurrent Loans $2.62 million Real Estate Owned $5.28 million Historic Data - September 2010 Assets $359.20 million Equity Capital $45.78 million Loan Loss Allowance $2.70 million Unbacked Noncurrent Loans $7.23 million Real Estate Owned $866,000 Profit Margin - Quarterly Net Interest Margin 4.1% Return on Assets 1.11% Return on Equity 8.82% Interest Income $14.13 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 September 30, 2011 Traders & Farmers Bank had $7.9 million in non-current loans and owned real-estate with $52.45 million in equity and loan loss allowances on hand to cover it. This gives Traders & Farmers Bank a Texas Ratio of 15.07% 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 Traders & Farmers Bank held steady from 16.70% as of September 30, 2010 to 15.07% as of September 30, 2011, resulting in a positive change of 9.80%.This indicates that the balance sheet and financial strength for Traders & Farmers Bank has held steady in recent periods. Deposit Growth In the past year, Traders & Farmers Bank has increased its total deposits by $5.68 million, resulting in 2.01% 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 Traders & Farmers Bank 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. Traders & Farmers Bank has $367.31 million in assets with $52.45 million in equity, resulting in a capitalization level of 14.28%, which is excellent.