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First National Bank of Powhatan Point, The

Powhatan Point, OH · Cert 13567

FDIC · 1 branch

Q3 2018

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 2018, the quarter ended September 30, 2018, 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

First National Bank of Powhatan Point, The

Powhatan Point, OH · Cert 13567

FDIC · 1 branch

Q3 2018

$60.7MAssets
$6.7MLoans
$55.4MDeposits
$5.0MEquity
Loan mix
45%RE $3.1M35%C&I $2.3M20%Consumer $1.3MQ3 2017Q3 2018
Deposit mix
65%Interest-bearing $36.3M35%Noninterest $19.1MQ3 2017Q3 2018

NIM

2.08%Q3 ’162.15%Q3 ’172.42%Q3 ’18+3%+14%

Non-interest income vs. expense

1.40%Q3 ’161.33%Q3 ’171.63%Q3 ’18-4%+29%

Market Position · Wheeling, WV-OH · 2018 SOD (annual) · 1.6% share · #11 of 15 inst. · $0.1B of $3.7B

Executive Summary

  • Earnings: ROA of 0.68%, down 5 bps year over year; NIM at 2.23%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 8.57%, up 34 bps from a year ago.
  • Funding: loans stand at 12.17% of deposits as of Q3 2018.

Financial Results

Return on Assets (YTD, annualized)

0.68%-5 bps YoY

Net Interest Margin (YTD, annualized)

2.23%+28 bps YoY

Efficiency Ratio (YTD, annualized)

68.77%+595 bps YoY

Tier 1 Leverage Ratio

8.57%+34 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets0.73%0.53%0.91%1.03%0.68%-5 bps
Return on Equity8.61%6.17%10.47%12.15%8.12%-49 bps
Net Interest Margin1.94%1.89%2.24%2.15%2.23%+28 bps
Efficiency Ratio62.82%71.81%54.91%53.33%68.77%+595 bps
Non-Interest Burden1.16%1.31%1.16%1.08%1.49%+33 bps
Growth
Asset Growth (YoY)11.24%13.92%17.56%22.03%7.85%-338 bps
Loan Growth (YoY)-0.35%12.47%3.86%-17.11%-16.30%-1,595 bps
Deposit Growth (YoY)12.50%13.55%18.08%23.31%7.66%-484 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.02%-0.01%0.05%0.03%0.02%+4 bps
Allowance / Loans2.07%2.02%2.22%2.56%2.68%+61 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio8.23%8.75%8.92%8.54%8.57%+34 bps
Total Risk-Based Capital25.94%28.47%30.02%29.47%30.55%+461 bps
Equity / Assets8.13%8.91%8.49%8.04%8.21%+8 bps
Liquidity & Funding
Loans / Deposits15.66%17.15%14.81%11.93%12.17%-348 bps
Liquid Assets / Assets4.63%5.08%5.72%5.83%5.70%+107 bps
CRE / Total Capitaln/an/an/an/an/an/an/a