Farmers Bank & Trust

Major Rating Factors: Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 26.9 and a capital leverage ratio of 20.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (10.0 on a scale of 0 to 10).

Other Rating Factors: A current level of 1.2 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Excellent asset quality (9.4). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Good (6.4) profitability.

Asset Mix: Securities (53%), comm re (9%), home mtgs (8%), comm loans (2%), cash (1%), home eq lns (1%), consumer loans (0%), other (26%)

States with Branches: KS

Asset Quality

Non-Performing Loans to Capital

1.21%

Non-Performing Assets to Assets

0.68%

Non-Performing Loans to Loans

1.31%

Loan Loss Reserves to Loans

1.11%

Charge-Offs to Average Loans

-0.02%

5-Year Charge-Offs to Average Loans

-0.04%

5-Year Asset Growth

4.17%

1-Year Asset Growth

0.83%

Profitability

Operating Profit to Average Assets

1.62%

Return on Equity

8.73%

Net Interest Spread

3.25%

5-Year ROAA (Return on Average Assets)

1.82%

Overhead Efficiency Ratio

53.15%

Liquidity

Liquidity Ratio

52.26%

Hot Money

34.61%

Corporate Info

Group Affiliation

Farmers Enterprises, Inc.

Investment Rating

Address

1017 Harrison Street
Great Bend, KS 67530

Phone Number

(620) 792-2411

Year Founded

1907

FDIC Number

Website

Largest Affiliates

No affiliate information available.