PackageTrendsPeer
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Farmers STB of Stephen

Stephen, MN · Cert 8838

FDIC

Q3 1999

$33.6MAssets
$11.1MLoans
$26.4MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.34%, down 10 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 42.02% of deposits as of Q3 1999.

Return on Assets (YTD, annualized)

0.34%-10 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 1997Q1 1998Q2 1998Q3 1998Q4 1998Q1 1999Q2 1999Q3 1999YoY ΔTrend
Earnings
Return on Assets0.47%0.58%0.65%0.44%0.49%0.41%0.36%0.34%-10 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)0.64%-3.32%-0.31%3.46%2.62%6.22%7.91%1.38%-208 bps
Loan Growth (YoY)-8.03%-9.07%-4.35%-9.49%-12.20%-9.73%-18.77%-12.73%-324 bps
Deposit Growth (YoY)0.35%-5.25%-1.24%3.04%2.60%7.71%10.44%2.22%-83 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 / Deposits49.89%49.85%52.99%49.22%42.69%41.78%38.97%42.02%-720 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