PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Farmers&Merchants Bank

Fort Branch, IN · Cert 4395

FDIC

Q1 1997

$35.6MAssets
$22.2MLoans
$30.3MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.90%, up 74 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 73.13% of deposits as of Q1 1997.

Return on Assets (YTD, annualized)

1.90%+74 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 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997YoY ΔTrend
Earnings
Return on Assets1.36%1.47%1.42%1.16%1.29%1.37%1.50%1.90%+74 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)-7.31%-5.41%-3.02%0.21%9.99%21.44%4.30%0.03%-17 bps
Loan Growth (YoY)-0.18%1.77%-2.46%-8.24%-8.31%9.50%7.61%2.92%+1,117 bps
Deposit Growth (YoY)-8.23%-5.30%-2.98%3.58%12.02%30.77%-1.29%-2.20%-578 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 / Deposits77.55%81.12%69.25%69.48%63.48%67.93%75.50%73.13%+364 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