PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Farmers State Bank

Mankato, KS · Cert 4726

FDIC

Q4 1999

$60.0MAssets
$32.0MLoans
$52.4MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of -0.86%, down 184 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 61.01% of deposits as of Q4 1999.

Return on Assets (YTD, annualized)

-0.86%-184 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.

MetricQ1 1998Q2 1998Q3 1998Q4 1998Q1 1999Q2 1999Q3 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets0.65%0.96%0.93%0.98%1.26%1.34%1.40%-0.86%-184 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)-1.15%15.39%5.09%9.90%10.71%-6.43%-0.90%0.61%-929 bps
Loan Growth (YoY)0.72%10.66%11.78%7.11%8.79%-2.27%-4.12%-6.86%-1,397 bps
Deposit Growth (YoY)1.13%4.64%4.74%10.38%8.55%0.30%-0.52%-2.41%-1,279 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 / Deposits64.90%73.58%69.23%63.93%65.04%71.69%66.73%61.01%-292 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