PackageTrendsPeer
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Bank of Fruitland

Fruitland, MD · Cert 5862

FDIC

Q3 2000

$134.5MAssets
$107.8MLoans
$117.3MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.13%, down 15 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 91.93% of deposits as of Q3 2000.

Return on Assets (YTD, annualized)

1.13%-15 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 1998Q1 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000YoY ΔTrend
Earnings
Return on Assets1.24%1.48%1.41%1.27%1.03%1.04%1.10%1.13%-15 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)10.25%10.56%14.55%21.48%11.85%5.31%0.78%-10.55%-3,203 bps
Loan Growth (YoY)14.88%8.51%8.12%9.37%8.73%10.36%8.38%0.73%-865 bps
Deposit Growth (YoY)10.65%10.69%15.48%16.14%2.47%0.78%-4.32%-8.08%-2,422 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 / Deposits87.66%85.10%83.14%83.89%93.01%93.19%94.18%91.93%+804 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