Wheeling, WV · Cert 10002
FDIC · 10 branches
Q1 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2018, the quarter ended March 31, 2018, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Wheeling, WV · Cert 10002
FDIC · 10 branches
Q1 2018
Market Position · Wheeling, WV-OH · 2017 SOD (annual) · 5.6% share · #7 of 15 inst. · $0.2B of $3.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.55%1 | 0.46%1 | 0.36% | 0.03% | 0.16% | 0.08% | 0.44% | +7 bps | |
| Return on Equity | 4.95% | 5.11% | 4.33% | 3.75% | 0.28% | 1.68% | 0.81% | 4.79% | +104 bps | |
| Net Interest Margin | 2.38% | 2.39% | 2.38% | 2.53% | 2.48% | 2.57% | 2.62% | 2.59% | +5 bps | |
| Efficiency Ratio | 89.92% | 92.43% | 92.47% | 86.41% | 83.63% | 82.90% | 83.10% | 82.79% | -362 bps | |
| Non-Interest Burden | 2.09% | 2.16% | 2.16% | 2.13% | 2.01% | 2.06% | 2.11% | 2.07% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.35% | -1.68% | -2.96% | -1.28% | 5.43% | 0.53% | -0.28% | -1.29% | -1 bps | |
| Loan Growth (YoY) | -6.22% | -4.16% | -3.00% | 3.30% | 1.93% | 3.94% | 4.01% | 0.94% | -236 bps | |
| Deposit Growth (YoY) | 2.57% | 1.20% | -2.33% | 2.44% | 9.52% | 3.72% | 1.88% | -0.60% | -304 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 1.89% | 2.33% | 2.22% | 2.45% | 2.49% | +61 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.00% | 0.00% | 2.19% | 1.45% | 1.09% | 0.00% | 0 bps | |
| Allowance / Loans | 1.83% | 1.84% | 1.85% | 1.85% | 1.77% | 1.75% | 1.75% | 1.80% | -4 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 1.0x | 0.8x | 0.8x | 0.7x | 0.7x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.54% | 9.71% | 9.55% | 9.46% | 8.71% | 9.07% | 9.14% | 9.25% | -22 bps | |
| Total Risk-Based Capital | 23.87% | 24.12% | 23.25% | 22.58% | 22.03% | 22.11% | 22.33% | 23.06% | +48 bps | |
| Equity / Assets | 11.14% | 10.87% | 9.81% | 9.68% | 9.34% | 9.74% | 9.54% | 8.71% | -96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 35.85% | 35.40% | 35.21% | 34.12% | 33.36% | 35.47% | 35.95% | 34.65% | +53 bps | |
| Liquid Assets / Assets | 4.10% | 5.68% | 5.36% | 3.10% | 6.42% | 3.79% | 3.23% | 7.23% | +413 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |