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F&M Bank-Kiel

Kiel, WI · Cert 15150

FDIC

Q4 1999

$45.3MAssets
$29.7MLoans
$37.5MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.02%, down 41 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 79.34% of deposits as of Q4 1999.

Return on Assets (YTD, annualized)

1.02%-41 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 1998Q2 1998Q3 1998Q4 1998Q1 1999Q2 1999Q3 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets1.27%1.36%1.42%1.43%1.29%1.30%1.28%1.02%-41 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)2.36%-2.97%-2.13%-1.08%-4.80%0.72%8.64%4.21%+530 bps
Loan Growth (YoY)0.23%-3.82%-7.54%-10.47%-10.52%-7.73%-3.51%3.29%+1,376 bps
Deposit Growth (YoY)5.01%-0.55%1.95%4.08%-3.71%1.42%2.85%0.63%-346 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 / Deposits85.10%83.03%82.54%77.30%79.08%75.53%77.43%79.34%+205 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