PackageTrendsPeer
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Farmers National Bank

Opelika, AL · Cert 2820

FDIC

Q3 2001

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 2001, the quarter ended September 30, 2001, 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 National Bank

Opelika, AL · Cert 2820

FDIC

Q3 2001

$194.8MAssets
$110.2MLoans
$173.7MDeposits
$18.2MEquity
Loan mix
59%RE $33.8M39%C&I $22.7M2%Consumer $1.1MQ4 1999Q3 2001
Deposit mix
84%Interest-bearing $145.1M16%Noninterest $28.6MQ4 1999Q3 2001

Executive Summary

  • Earnings: ROA of -0.26%, down 77 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.13%.
  • Funding: loans stand at 63.41% of deposits as of Q3 2001.

Return on Assets (YTD, annualized)

-0.26%-77 bps YoY

Net Interest Margin (YTD, annualized)

3.43%

Efficiency Ratio (YTD, annualized)

91.54%

Tier 1 Leverage Ratio

n/a
n/a

NIM

7.36%Q1 ’017.13%Q2 ’017.02%Q3 ’01-3%-1%

Non-interest income vs. expense

4.03%Q1 ’014.07%Q2 ’014.20%Q3 ’01-1%+5%

Year to date, annualized, through each quarter.

MetricQ4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets-1.50%0.59%0.56%0.51%0.55%0.47%-0.39%-0.26%-77 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/a3.57%3.46%3.43%n/a
Efficiency Ration/an/an/an/an/a86.42%88.07%91.54%n/a
Non-Interest Burdenn/an/an/an/an/a2.94%2.91%3.04%n/a
Growth
Asset Growth (YoY)-15.64%-13.25%-13.55%-12.68%-4.26%-1.56%-2.57%-1.42%+1,126 bps
Loan Growth (YoY)-31.83%-23.81%-12.54%-6.86%-0.07%8.22%-0.66%-1.25%+561 bps
Deposit Growth (YoY)-11.60%-9.35%-11.03%-10.54%-6.04%-3.01%-3.58%-2.15%+839 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/a0.29%3.24%2.13%n/a
Allowance / Loansn/an/an/an/an/a4.80%4.60%5.03%n/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/a12.99%12.77%13.31%n/a
Equity / Assetsn/an/an/an/an/a9.14%9.01%9.33%n/a
Liquidity & Funding
Loans / Deposits61.40%61.31%64.35%62.83%65.30%68.41%66.29%63.41%+58 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.53%0.56%0.20%+20 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a