PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Farmers Bank of Northern MO

Unionville, MO · Cert 13587

FDIC

Q3 2000

$168.2MAssets
$109.2MLoans
$144.5MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.97%, down 28 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 75.58% of deposits as of Q3 2000.

Return on Assets (YTD, annualized)

0.97%-28 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 1998Q1 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000YoY ΔTrend
Earnings
Return on Assets1.20%1.02%1.18%1.25%1.08%0.99%0.99%0.97%-28 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)-0.41%-1.59%-0.60%1.19%5.08%4.29%1.72%0.19%-100 bps
Loan Growth (YoY)-5.63%-1.98%1.44%3.48%9.40%5.44%1.00%3.26%-22 bps
Deposit Growth (YoY)-0.69%-1.99%-1.48%-0.75%2.02%2.72%0.33%-0.75%0 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 / Deposits65.11%70.13%73.19%72.64%69.83%71.98%73.68%75.58%+293 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