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Farmers State Bank of New Washington, Ohio, The

New Washington, OH · Cert 2072

FDIC

Q3 2005

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2005, the quarter ended September 30, 2005, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Farmers State Bank of New Washington, Ohio, The

New Washington, OH · Cert 2072

FDIC

Q3 2005

$284.5MAssets
$192.8MLoans
$219.8MDeposits
$47.5MEquity
Loan mix
82%RE $97.4M18%C&I $21.4M0%Consumer $0.2MQ3 2004Q3 2005
Deposit mix
85%Interest-bearing $187.7M15%Noninterest $32.1MQ3 2004Q3 2005

NIM

5.76%Q3 ’035.55%Q3 ’045.43%Q3 ’05+1%+9%

Non-interest income vs. expense

2.62%Q3 ’032.43%Q3 ’043.44%Q3 ’05-6%+30%

Executive Summary

  • Earnings: ROA of 1.02%, down 7 bps year over year; NIM at 4.23%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.32%.
  • Funding: loans stand at 87.72% of deposits as of Q3 2005.

Financial Results

Return on Assets (YTD, annualized)

1.02%-7 bps YoY

Net Interest Margin (YTD, annualized)

4.23%+35 bps YoY

Efficiency Ratio (YTD, annualized)

65.65%+903 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets1.09%1.21%1.33%1.09%1.02%-7 bps
Return on Equity10.97%10.38%8.73%6.91%6.38%-459 bps
Net Interest Margin3.88%2.26%4.14%4.21%4.23%+35 bps
Efficiency Ratio56.63%58.08%60.79%64.86%65.65%+903 bps
Non-Interest Burden2.02%1.20%2.05%2.50%2.62%+60 bps
Growth
Asset Growth (YoY)2.82%125.74%105.22%97.75%102.93%+10,011 bps
Loan Growth (YoY)10.17%74.78%59.13%51.64%55.56%+4,539 bps
Deposit Growth (YoY)-13.83%141.26%123.10%130.08%129.50%+14,332 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.16%0.37%-0.71%-0.58%-0.32%-47 bps
Allowance / Loans1.40%3.25%3.63%4.01%3.93%+253 bps
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 Capital14.06%17.01%17.85%19.00%18.85%+479 bps
Equity / Assets9.82%14.69%15.86%16.66%16.71%+690 bps
Liquidity & Funding
Loans / Deposits129.41%80.45%84.48%81.04%87.72%-4,169 bps
Liquid Assets / Assets0.00%0.04%0.04%0.05%0.03%+3 bps
CRE / Total Capitaln/an/an/an/an/an/an/a