West Union, WV · Cert 10045
FDIC · 4 branches
Q4 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2019, the quarter ended December 31, 2019, 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.
West Union, WV · Cert 10045
FDIC · 4 branches
Q4 2019
Market Position · Parkersburg-Vienna, WV · 2019 SOD (annual) · 0.0% share · #12 of 12 inst. · $0.0B of $1.7B
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 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69% | 0.74% | 0.71% | 0.78% | 0.98% | 1.01% | 0.93% | 0.35% | -42 bps | |
| Return on Equity | 6.81% | 7.28% | 7.18% | 7.91% | 9.96% | 9.83% | 9.05% | 3.50% | -441 bps | |
| Net Interest Margin | 2.48% | 2.48% | 2.34% | 2.39% | 2.71% | 2.79% | 2.63% | 2.44% | +5 bps | |
| Efficiency Ratio | 72.10% | 70.73% | 72.64% | 69.80% | 58.80% | 58.03% | 60.10% | 87.77% | +1,797 bps | |
| Non-Interest Burden | 1.71% | 1.67% | 1.62% | 1.58% | 1.48% | 1.50% | 1.48% | 2.08% | +49 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.31% | 0.76% | 2.34% | 5.62% | 7.00% | 6.47% | 11.26% | 12.34% | +672 bps | |
| Loan Growth (YoY) | 13.61% | 2.21% | 2.27% | 5.17% | 13.88% | 15.31% | 14.26% | 3.87% | -130 bps | |
| Deposit Growth (YoY) | -0.28% | 1.92% | 3.89% | 6.68% | 6.76% | 4.92% | 9.64% | 11.81% | +514 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.61% | 1.99% | 0.69% | 0.10% | 0.49% | 0.57% | 0.92% | +23 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | 0.01% | 0.01% | 0.20% | 0.13% | 0.09% | 0.08% | +7 bps | |
| Allowance / Loans | 0.83% | 0.82% | 0.83% | 0.81% | 0.71% | 0.71% | 0.73% | 0.78% | -3 bps | |
| Allowance Coverage of NPLs | 18.4x | 1.3x | 0.4x | 1.2x | 6.8x | 1.5x | 1.3x | 0.9x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.94% | 11.47% | 11.16% | 10.77% | 10.83% | 11.09% | 10.73% | 9.43% | -134 bps | |
| Total Risk-Based Capital | 29.41% | 29.85% | 29.00% | 28.81% | 27.96% | 28.76% | 27.62% | 26.43% | -238 bps | |
| Equity / Assets | 9.97% | 10.12% | 9.14% | 9.51% | 10.10% | 11.20% | 10.25% | 9.61% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 25.99% | 26.98% | 24.40% | 24.81% | 27.73% | 29.66% | 25.42% | 23.05% | -176 bps | |
| Liquid Assets / Assets | 2.32% | 2.38% | 2.63% | 2.62% | 14.79% | 12.70% | 24.59% | 29.88% | +2,726 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |