PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Farmers Bank of Vine Grove

Vine Grove, KY · Cert 11364

FDIC

Q3 1999

$34.0MAssets
$14.5MLoans
$32.8MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of -2.80%, down 300 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 44.35% of deposits as of Q3 1999.

Return on Assets (YTD, annualized)

-2.80%-300 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.

MetricQ4 1997Q1 1998Q2 1998Q3 1998Q4 1998Q1 1999Q2 1999Q3 1999YoY ΔTrend
Earnings
Return on Assets-0.21%1.32%1.19%0.20%-3.15%-1.44%-3.84%-2.80%-300 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)6.26%6.38%8.54%9.53%2.04%-4.09%-8.98%-15.00%-2,453 bps
Loan Growth (YoY)17.20%15.20%13.05%1.40%-13.11%-21.91%-32.57%-39.34%-4,074 bps
Deposit Growth (YoY)6.85%6.80%9.39%11.49%6.08%0.04%-3.63%-10.57%-2,206 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 / Deposits70.59%69.91%68.03%65.39%57.82%54.57%47.60%44.35%-2,104 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