PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Farmers STB of McNabb IL

McNabb, IL · Cert 5721

FDIC

Q3 1998

$29.0MAssets
$13.3MLoans
$23.6MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.34%, down 85 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 56.45% of deposits as of Q3 1998.

Return on Assets (YTD, annualized)

0.34%-85 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.

MetricQ4 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998Q3 1998YoY ΔTrend
Earnings
Return on Assets0.94%1.43%1.26%1.19%1.15%1.19%0.11%0.34%-85 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)8.34%4.22%-1.74%-2.13%0.35%-0.38%10.56%7.51%+964 bps
Loan Growth (YoY)3.16%11.70%13.12%17.93%17.43%19.29%18.16%6.01%-1,191 bps
Deposit Growth (YoY)8.19%3.48%-4.46%-4.98%-1.13%-2.45%8.01%5.47%+1,044 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 / Deposits45.29%47.01%52.58%56.16%53.79%57.49%57.52%56.45%+29 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