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F&M Bank-Lancaster

Lancaster, WI · Cert 12792

FDIC

Q3 1997

$43.3MAssets
$28.6MLoans
$37.5MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.09%, unchanged from a year ago.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 76.15% of deposits as of Q3 1997.

Return on Assets (YTD, annualized)

1.09%0 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 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997YoY ΔTrend
Earnings
Return on Assets1.14%1.17%1.11%1.10%1.13%1.09%1.16%1.09%0 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)1.78%7.51%9.25%11.73%9.81%8.43%8.02%3.45%-829 bps
Loan Growth (YoY)-4.18%-6.20%0.51%8.75%14.22%20.88%13.33%7.67%-108 bps
Deposit Growth (YoY)-0.62%9.39%12.56%11.56%10.44%7.22%5.91%3.68%-789 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 / Deposits71.77%70.32%71.69%73.32%74.22%79.28%76.72%76.15%+283 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