PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

F&M Bank-Keyser Inc.

Keyser, WV · Cert 2449

FDIC

Q1 1998

$99.4MAssets
$62.5MLoans
$85.2MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.54%, up 7 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 73.32% of deposits as of Q1 1998.

Return on Assets (YTD, annualized)

1.54%+7 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 Assets1.51%1.50%1.40%1.47%1.53%1.60%1.50%1.54%+7 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)1.33%0.64%3.08%5.72%6.13%6.02%5.51%4.31%-140 bps
Loan Growth (YoY)9.03%10.92%14.56%14.47%9.60%4.93%1.49%-2.20%-1,666 bps
Deposit Growth (YoY)0.70%-0.09%2.69%5.82%6.00%6.17%4.33%4.14%-168 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 / Deposits76.11%79.29%80.09%78.07%78.69%78.37%77.91%73.32%-475 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