PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Farmers National Bank

Mullica Hill, NJ · Cert 6482

FDIC

Q3 1998

$95.2MAssets
$49.3MLoans
$84.2MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.08%, down 36 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 58.58% of deposits as of Q3 1998.

Return on Assets (YTD, annualized)

1.08%-36 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 Assets0.91%1.78%1.56%1.44%1.44%1.10%1.08%1.08%-36 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)4.33%4.22%1.37%-0.64%-1.12%1.60%3.25%9.17%+982 bps
Loan Growth (YoY)11.22%14.19%13.50%14.42%12.71%10.89%8.79%4.92%-950 bps
Deposit Growth (YoY)4.46%4.80%1.25%-0.95%-0.30%2.45%4.00%10.80%+1,176 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 / Deposits54.32%57.96%60.24%61.86%61.40%62.73%63.01%58.58%-329 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