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Farmers and Merchants Bank, The

Prairie Grove, AR · Cert 8736

FDIC

Q3 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2001, the quarter ended September 30, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Farmers and Merchants Bank, The

Prairie Grove, AR · Cert 8736

FDIC

Q3 2001

$118.0MAssets
$81.1MLoans
$105.9MDeposits
$8.7MEquity
Loan mix
87%RE $46.9M11%C&I $5.8M2%Consumer $0.9MQ3 2000Q3 2001
Deposit mix
90%Interest-bearing $95.3M10%Noninterest $10.6MQ3 2000Q3 2001

NIM

7.93%Q1 ’017.71%Q2 ’017.60%Q3 ’01+1%+2%

Non-interest income vs. expense

3.38%Q1 ’013.33%Q2 ’013.50%Q3 ’01-29%+15%

Executive Summary

  • Earnings: ROA of 1.64%, up 31 bps year over year; NIM at 4.00%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.13%.
  • Funding: loans stand at 76.63% of deposits as of Q3 2001.

Financial Results

Return on Assets (YTD, annualized)

1.64%+31 bps YoY

Net Interest Margin (YTD, annualized)

4.00%

Efficiency Ratio (YTD, annualized)

58.66%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets1.33%1.31%1.36%1.72%1.64%+31 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/a3.89%3.92%4.00%n/a
Efficiency Ration/an/a62.74%56.31%58.66%n/a
Non-Interest Burdenn/an/a1.88%1.34%1.54%n/a
Growth
Asset Growth (YoY)3.39%5.88%7.68%7.77%5.41%+202 bps
Loan Growth (YoY)9.25%8.26%11.47%11.13%6.23%-303 bps
Deposit Growth (YoY)3.98%6.19%7.81%7.65%5.59%+161 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a0.08%0.09%0.13%n/a
Allowance / Loansn/an/a1.23%1.19%1.17%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/a12.31%12.55%12.60%n/a
Equity / Assetsn/an/a6.85%7.18%7.34%n/a
Liquidity & Funding
Loans / Deposits76.17%75.00%74.20%76.48%76.63%+46 bps
Liquid Assets / Assets0.00%0.00%0.05%0.05%0.04%+4 bps
CRE / Total Capitaln/an/an/an/an/an/an/a