PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Farmers&Merchants Bk Jeffers

Jefferson, WI · Cert 6199

FDIC

Q4 1999

$96.8MAssets
$59.5MLoans
$80.9MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.35%, down 20 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 73.48% of deposits as of Q4 1999.

Return on Assets (YTD, annualized)

1.35%-20 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 Assets1.46%1.51%1.47%1.55%1.29%1.30%1.40%1.35%-20 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)5.59%2.71%-2.56%-0.68%-4.48%-0.66%1.22%-2.11%-143 bps
Loan Growth (YoY)4.37%2.57%-3.54%-3.08%-3.17%-3.62%-0.49%-1.04%+204 bps
Deposit Growth (YoY)3.10%-0.13%-0.62%-0.04%0.13%4.56%0.59%0.33%+37 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 / Deposits78.31%77.95%76.07%74.49%75.73%71.85%75.25%73.48%-102 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