Peer Analysis - F & M Trust

Data for trailing four quarters

For the definition of a financial field, select the field name below.

Performance Ratios (%)		FRAF	Peer Median	Peer Average
	ROAA	0.53	0.94	0.42
	ROAE	6.12	9.37	2.95
	Net Interest Margin	3.42	3.54	3.60
	Efficiency Ratio	70.30	62.00	62.02
	Loans / Deposits	82.71	68.62	72.25

Asset Quality Ratios (%)
	NPAs / Assets	4.92	1.71	1.80
	NCOs / Avg Loans	0.35	0.17	0.84
	Reserves / Loans	1.47	1.46	1.76
	Reserves / NPAs	21.08	67.67	69.51

Capital Ratios (%)
	Tier 1 Capital	11.80	13.52	14.98
	Tangible Equity / Tangible Assets	7.94	9.23	9.63
	Total Equity / Total Assets	8.81	9.79	9.94

Market Ratios
	Price / Earnings (x)	11.95	11.08	10.69
	Price / Book (%)	72.05	133.61	124.33
	Dividend Yield (%)	4.18	3.62	3.13

Franklin Financial Services Corporation's peer group consists of the following: ACNB Corporation (ACNB), Citizens & Northern Corporation (CZNC), Citizens Financial Services, Inc. (CZFS), CNB Financial Corporation (CCNE), Codorus Valley Bancorp, Inc. (CVLY), ENB Financial Corp (ENBP), Orrstown Financial Services, Inc. (ORRF), VIST Financial Corp. (VIST)

Franklin Financial Services Corporation's financial data is as of 3/31/2013.

Peer financial data is as of 3/31/2013 except for these companies:

VIST Financial Corp.'s financial data is as of 3/31/2012.


Copyright 2013, © SNL Financial LC Terms of Use