PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Farmers-Deposit Bank

Flemingsburg, KY · Cert 15654

FDIC

Q4 1996

$91.3MAssets
$66.6MLoans
$78.6MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.59%, up 27 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 84.74% of deposits as of Q4 1996.

Return on Assets (YTD, annualized)

1.59%+27 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 1995Q2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets1.40%1.34%1.33%1.32%1.41%1.50%1.55%1.59%+27 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)7.24%9.74%4.32%9.02%5.15%2.38%5.21%3.33%-568 bps
Loan Growth (YoY)13.67%11.85%7.18%3.50%6.63%9.11%13.17%16.39%+1,289 bps
Deposit Growth (YoY)10.10%15.81%17.20%13.64%8.82%4.54%2.03%4.51%-912 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 / Deposits80.94%81.84%81.26%76.09%79.31%85.42%90.13%84.74%+865 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