PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Farmers Bank

Mardela Springs, MD · Cert 1574

FDIC

Q2 1997

$28.9MAssets
$21.1MLoans
$26.4MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of -1.06%, down 176 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 79.97% of deposits as of Q2 1997.

Return on Assets (YTD, annualized)

-1.06%-176 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 Assets0.41%0.51%0.66%0.70%0.75%0.78%0.97%-1.06%-176 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)16.52%16.80%14.44%8.75%3.16%5.15%3.89%5.48%-327 bps
Loan Growth (YoY)15.97%12.33%13.73%9.54%12.87%11.95%13.71%12.40%+286 bps
Deposit Growth (YoY)17.98%17.70%15.03%8.62%2.47%4.79%3.43%6.20%-242 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 / Deposits71.54%74.21%74.01%75.55%78.80%79.27%81.37%79.97%+442 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