PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Farmers National Bank of Forney, The

Forney, TX · Cert 3199

FDIC

Q1 2001

$28.5MAssets
$15.3MLoans
$26.0MDeposits
$2.4MEquity
Deposit mix
79%Interest-bearing $20.6M21%Noninterest $5.3MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 1.38%, down 111 bps year over year; NIM at 4.15%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.50%.
  • Funding: loans stand at 58.97% of deposits as of Q1 2001.

Financial Results

Return on Assets (quarter, annualized)

1.38%-111 bps YoY

Net Interest Margin (quarter, annualized)

4.15%

Efficiency Ratio (quarter, annualized)

73.30%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets2.49%2.03%1.64%1.41%1.38%-111 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a4.15%n/an/a
Efficiency Ration/an/an/an/a73.30%n/an/a
Non-Interest Burdenn/an/an/an/a2.58%n/an/a
Growth
Asset Growth (YoY)0.89%-2.63%-9.66%-3.52%4.85%+396 bps
Loan Growth (YoY)1.31%-0.04%-7.16%-5.85%-4.73%-604 bps
Deposit Growth (YoY)0.02%-4.05%-11.17%-5.22%3.95%+392 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a0.50%n/an/a
Allowance / Loansn/an/an/an/a1.78%n/an/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/an/an/an/a15.55%n/an/a
Equity / Assetsn/an/an/an/a8.30%n/an/a
Liquidity & Funding
Loans / Deposits64.34%67.06%64.67%62.07%58.97%-537 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%13.36%+1,336 bps
CRE / Total Capitaln/an/an/an/an/an/an/a