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Farmers State Bank

Losantville, IN · Cert 199

FDIC

Q3 1997

$20.4MAssets
$16.3MLoans
$18.1MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.35%, down 1 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 90.10% of deposits as of Q3 1997.

Return on Assets (YTD, annualized)

1.35%-1 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.

MetricQ4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997YoY ΔTrend
Earnings
Return on Assets1.18%1.36%1.34%1.35%1.29%1.17%1.21%1.35%-1 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)9.15%7.55%4.26%10.31%8.60%10.45%12.65%3.53%-677 bps
Loan Growth (YoY)10.15%9.77%7.35%12.38%14.90%17.26%19.82%14.34%+196 bps
Deposit Growth (YoY)8.79%5.07%3.72%6.79%8.46%13.31%14.11%4.87%-191 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 / Deposits74.59%79.86%82.40%82.64%79.02%82.64%86.52%90.10%+746 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