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Farmers State Bank

Liberty, IN · Cert 15548

FDIC

Q3 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2001, the quarter ended September 30, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Farmers State Bank

Liberty, IN · Cert 15548

FDIC

Q3 2001

$57.9MAssets
$48.9MLoans
$49.9MDeposits
$7.2MEquity
Deposit mix
85%Interest-bearing $42.5M15%Noninterest $7.4MQ3 2000Q3 2001

NIM

7.79%Q1 ’017.86%Q2 ’017.72%Q3 ’01+3%+0%

Non-interest income vs. expense

2.83%Q1 ’012.89%Q2 ’013.00%Q3 ’01-1%+5%

Executive Summary

  • Earnings: ROA of 1.05%, up 9 bps year over year; NIM at 4.47%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.14%.
  • Funding: loans stand at 98.04% of deposits as of Q3 2001.

Financial Results

Return on Assets (YTD, annualized)

1.05%+9 bps YoY

Net Interest Margin (YTD, annualized)

4.47%

Efficiency Ratio (YTD, annualized)

60.85%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets0.95%1.00%1.08%1.09%1.05%+9 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/a4.35%4.46%4.47%n/a
Efficiency Ration/an/a59.72%58.65%60.85%n/a
Non-Interest Burdenn/an/a2.44%2.43%2.54%n/a
Growth
Asset Growth (YoY)5.77%5.08%-1.19%0.32%-6.23%-1,200 bps
Loan Growth (YoY)4.29%0.57%3.46%1.61%-1.46%-575 bps
Deposit Growth (YoY)6.80%7.98%-2.51%0.86%-5.50%-1,230 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a-0.01%0.09%0.14%n/a
Allowance / Loansn/an/a1.72%1.72%1.68%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/a14.69%15.05%12.30%n/a
Equity / Assetsn/an/a14.08%14.25%12.45%n/a
Liquidity & Funding
Loans / Deposits94.01%90.67%98.64%98.57%98.04%+403 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a