PackageTrendsPeer
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Farmers State Bank

Sabetha, KS · Cert 15322

FDIC

Q4 1999

$59.8MAssets
$36.8MLoans
$43.0MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.15%, up 70 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 85.48% of deposits as of Q4 1999.

Return on Assets (YTD, annualized)

1.15%+70 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 Assets1.18%1.16%0.30%0.46%1.03%1.13%1.23%1.15%+70 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)-8.05%-3.30%0.69%9.47%17.57%21.21%17.37%11.35%+187 bps
Loan Growth (YoY)32.44%12.55%29.77%27.30%49.37%53.68%41.57%22.79%-451 bps
Deposit Growth (YoY)-10.00%-2.37%-9.31%-3.97%-2.19%-0.70%3.41%8.55%+1,252 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 / Deposits54.29%55.97%69.49%75.56%82.90%86.62%95.13%85.48%+992 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