PackageTrendsPeer
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Farmers&Traders STB Meredosi

Meredosia, IL · Cert 5725

FDIC

Q2 2000

$32.8MAssets
$22.2MLoans
$29.7MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.96%, up 37 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 74.76% of deposits as of Q2 2000.

Return on Assets (YTD, annualized)

0.96%+37 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.

MetricQ3 1998Q4 1998Q1 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000YoY ΔTrend
Earnings
Return on Assets0.81%0.77%0.59%0.59%0.75%0.77%0.85%0.96%+37 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)6.98%11.30%7.44%6.59%7.34%8.33%8.98%8.29%+170 bps
Loan Growth (YoY)7.14%-0.06%-1.80%-1.25%7.39%16.93%22.42%24.94%+2,619 bps
Deposit Growth (YoY)6.41%10.37%8.50%8.09%7.99%8.71%8.89%8.22%+14 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 / Deposits68.79%62.37%61.94%64.76%68.41%67.09%69.63%74.76%+1,000 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