PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Farmers State Bank, The

Hardtner, KS · Cert 17677

FDIC

Q4 2001

$20.7MAssets
$12.9MLoans
$20.0MDeposits
$634KEquity
Deposit mix
89%Interest-bearing $17.8M11%Noninterest $2.1MQ4 2000Q4 2001

NIM

8.99%Q1 ’017.38%Q3 ’017.74%Q4 ’01-31%+3%

Non-interest income vs. expense

2.93%Q1 ’012.94%Q3 ’013.36%Q4 ’01+0%+15%

Executive Summary

  • Earnings: ROA of -7.74%, down 852 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 9.40%.
  • Funding: loans stand at 64.70% of deposits as of Q4 2001.

Financial Results

Return on Assets (YTD, annualized)

-7.74%-852 bps YoY

Net Interest Margin (YTD, annualized)

3.35%

Efficiency Ratio (YTD, annualized)

92.23%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets0.79%1.25%-8.05%-5.99%-7.74%-852 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/a4.68%3.70%3.24%3.35%n/a
Efficiency Ration/a59.24%71.73%83.76%92.23%n/a
Non-Interest Burdenn/a2.66%2.57%2.67%3.06%n/a
Growth
Asset Growth (YoY)3.50%6.75%3.69%-3.16%-17.11%-2,061 bps
Loan Growth (YoY)0.71%4.63%4.87%-1.90%-25.90%-2,661 bps
Deposit Growth (YoY)3.50%6.90%8.47%1.38%-10.51%-1,400 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a-0.02%5.08%5.02%9.40%n/a
Allowance / Loansn/a2.24%6.92%7.56%9.25%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/a12.97%8.06%7.98%4.70%n/a
Equity / Assetsn/a9.93%5.72%5.55%3.06%n/a
Liquidity & Funding
Loans / Deposits78.15%76.96%73.36%70.61%64.70%-1,345 bps
Liquid Assets / Assets0.00%3.17%3.24%2.93%1.77%+177 bps
CRE / Total Capitaln/an/an/an/an/an/an/a