PackageTrendsPeer
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Farmers Bank

Ault, CO · Cert 91048

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 Bank

Ault, CO · Cert 91048

FDIC

Q3 2001

$55.7MAssets
$47.0MLoans
$35.6MDeposits
$10.2MEquity
Loan mix
77%RE $15.7M21%C&I $4.4M1%Consumer $0.3MQ4 1999Q3 2001
Deposit mix
92%Interest-bearing $32.6M8%Noninterest $3.0MQ4 1999Q3 2001

Executive Summary

  • Earnings: ROA of 1.18%, up 82 bps year over year; NIM at 4.86%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.33%.
  • Funding: loans stand at 132.18% of deposits as of Q3 2001.

Return on Assets (YTD, annualized)

1.18%+82 bps YoY

Net Interest Margin (YTD, annualized)

4.86%

Efficiency Ratio (YTD, annualized)

52.86%

Tier 1 Leverage Ratio

n/a
n/a

NIM

8.51%Q1 ’018.14%Q2 ’017.87%Q3 ’01-8%-6%

Non-interest income vs. expense

3.57%Q1 ’013.00%Q2 ’012.85%Q3 ’01-13%-5%

Year to date, annualized, through each quarter.

MetricQ4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets0.93%-1.21%-0.07%0.37%0.47%1.16%1.12%1.18%+82 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/a5.58%5.15%4.86%n/a
Efficiency Ration/an/an/an/an/a56.23%52.41%52.86%n/a
Non-Interest Burdenn/an/an/an/an/a2.81%2.43%2.32%n/a
Growth
Asset Growth (YoY)19.37%-8.24%-20.07%-31.61%-51.68%-39.33%-27.33%-2.06%+2,954 bps
Loan Growth (YoY)14.46%-11.50%-31.68%-39.34%-57.23%-39.85%-19.81%17.20%+5,654 bps
Deposit Growth (YoY)14.89%6.41%-12.37%-28.69%-57.68%-48.59%-32.86%-24.46%+423 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/a2.18%0.61%0.33%n/a
Allowance / Loansn/an/an/an/an/a2.14%2.43%1.88%n/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/a35.48%29.52%21.70%n/a
Equity / Assetsn/an/an/an/an/a23.64%21.47%18.28%n/a
Liquidity & Funding
Loans / Deposits93.26%90.99%84.09%85.20%94.24%106.44%100.43%132.18%+4,698 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