PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Farmers&Merchants Bank

White Bluff, TN · Cert 10325

FDIC

Q4 1998

$21.7MAssets
$4.8MLoans
$18.0MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.49%, down 4 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 26.87% of deposits as of Q4 1998.

Return on Assets (YTD, annualized)

1.49%-4 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ1 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998Q3 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets1.63%1.61%1.60%1.53%1.44%1.49%1.55%1.49%-4 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)0.11%1.60%-2.46%-0.66%-2.55%-1.14%6.94%8.78%+944 bps
Loan Growth (YoY)6.29%16.37%20.72%8.18%1.65%-7.77%-6.32%-5.73%-1,391 bps
Deposit Growth (YoY)-0.14%0.47%-4.42%-2.21%-4.96%-2.85%6.31%9.51%+1,172 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits28.34%31.49%33.20%31.21%30.31%29.90%29.26%26.87%-434 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a