PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Fairbanks-Morse Emp

Kansas City, KS · Charter 68037

Q2 1997

$948KAssets
$819KLoans
$860KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 3.49%, down 39 bps year over year.
  • Asset quality: problem loans at 6.48% of loans (+414 bps YoY).
  • Funding: loans stand at 95.26% of shares as of Q2 1997.

Return on Assets (quarter, annualized)

3.49%-39 bps YoY

Net Interest Margin (quarter, annualized)

n/a
n/a

Efficiency Ratio (quarter, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets2.19%2.99%3.88%3.81%4.04%4.05%3.49%-39 bps
Return on Equityn/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a-4.17%-13.74%-11.90%n/a
Loan Growth (YoY)n/an/an/an/a-14.22%-18.50%-12.38%n/a
Share Growth (YoY)n/an/an/an/a-5.69%-15.41%-13.77%n/a
Asset Quality
Delinquent Loans / Loans3.08%0.89%2.33%1.21%1.24%5.91%6.48%+414 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/a
Allowance / Loans1.61%0.89%0.84%0.86%1.01%1.07%1.32%+48 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares95.70%97.32%93.75%91.02%87.04%93.77%95.26%+150 bps
Liquid Assets / Assets8.34%4.27%9.00%11.40%15.11%8.37%10.48%+148 bps