PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Farmers&Merchants Bk Ritchie

Harrisville, WV · Cert 15840

FDIC

Q1 1998

$16.5MAssets
$10.5MLoans
$15.1MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.85%, down 13 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 69.87% of deposits as of Q1 1998.

Return on Assets (YTD, annualized)

0.85%-13 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.

MetricQ2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998YoY ΔTrend
Earnings
Return on Assets1.35%1.38%1.38%0.98%1.08%1.17%1.02%0.85%-13 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)1.68%3.58%2.35%1.34%-0.99%0.29%5.16%1.73%+39 bps
Loan Growth (YoY)11.60%20.18%28.77%19.61%7.85%-0.81%-6.03%-13.73%-3,334 bps
Deposit Growth (YoY)1.59%3.50%2.00%1.42%-1.14%-0.34%5.16%1.77%+35 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 / Deposits79.02%81.75%87.30%82.42%86.20%81.36%78.01%69.87%-1,256 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