PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Farmers&Merchants Bank

Summerville, GA · Cert 8481

FDIC

Q2 2000

$214.7MAssets
$74.8MLoans
$157.9MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.13%, down 141 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 47.35% of deposits as of Q2 2000.

Return on Assets (YTD, annualized)

0.13%-141 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 Assets1.52%1.57%1.50%1.54%1.54%1.30%-0.08%0.13%-141 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)7.41%4.09%3.47%5.81%4.56%22.65%24.38%20.77%+1,496 bps
Loan Growth (YoY)-0.77%-3.49%-2.46%0.69%7.12%9.62%8.92%5.66%+497 bps
Deposit Growth (YoY)8.62%3.80%3.51%7.23%5.67%4.89%7.93%3.28%-394 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 / Deposits49.21%47.00%47.05%46.28%49.89%49.12%47.48%47.35%+107 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