PackageTrendsPeer
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Farmers&Merchants NB Bellair

Bellaire, OH · Cert 13867

FDIC

Q2 1997

$20.0MAssets
$8.2MLoans
$18.3MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.16%, up 6 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 44.58% of deposits as of Q2 1997.

Return on Assets (YTD, annualized)

1.16%+6 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.

MetricQ3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997YoY ΔTrend
Earnings
Return on Assets0.94%0.90%1.06%1.10%1.09%1.10%1.16%1.16%+6 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)8.41%14.65%12.70%10.50%7.65%8.76%3.19%5.09%-542 bps
Loan Growth (YoY)13.60%14.24%14.34%2.99%6.98%11.05%5.47%8.27%+528 bps
Deposit Growth (YoY)11.36%15.04%12.99%10.91%7.66%8.79%2.74%4.63%-628 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 / Deposits45.13%44.87%43.97%43.08%44.85%45.80%45.14%44.58%+150 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