Powhatan Point, OH · Cert 13567
FDIC · 1 branch
Q3 2018
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Powhatan Point, OH · Cert 13567
FDIC · 1 branch
Q3 2018
Market Position · Wheeling, WV-OH · 2018 SOD (annual) · 1.6% share · #11 of 15 inst. · $0.1B 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 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | 0.62% | 0.69% | 0.73% | 0.53% | 0.91% | 1.03% | 0.68% | -5 bps | |
| Return on Equity | 5.17% | 7.16% | 7.98% | 8.61% | 6.17% | 10.47% | 12.15% | 8.12% | -49 bps | |
| Net Interest Margin | 1.86% | 1.96% | 1.97% | 1.94% | 1.89% | 2.24% | 2.15% | 2.23% | +28 bps | |
| Efficiency Ratio | 76.35% | 67.55% | 65.33% | 62.82% | 71.81% | 54.91% | 53.33% | 68.77% | +595 bps | |
| Non-Interest Burden | 1.37% | 1.26% | 1.23% | 1.16% | 1.31% | 1.16% | 1.08% | 1.49% | +33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.25% | 1.51% | 5.32% | 11.24% | 13.92% | 17.56% | 22.03% | 7.85% | -338 bps | |
| Loan Growth (YoY) | -13.93% | -13.44% | -2.70% | -0.35% | 12.47% | 3.86% | -17.11% | -16.30% | -1,595 bps | |
| Deposit Growth (YoY) | 3.84% | 1.98% | 6.14% | 12.50% | 13.55% | 18.08% | 23.31% | 7.66% | -484 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.05% | -0.05% | -0.02% | -0.02% | -0.01% | 0.05% | 0.03% | 0.02% | +4 bps | |
| Allowance / Loans | 2.13% | 2.18% | 2.02% | 2.07% | 2.02% | 2.22% | 2.56% | 2.68% | +61 bps | |
| Allowance Coverage of NPLs | n/a | 23.9x | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.33% | 8.67% | 8.51% | 8.23% | 8.75% | 8.92% | 8.54% | 8.57% | +34 bps | |
| Total Risk-Based Capital | 23.62% | 27.17% | 26.41% | 25.94% | 28.47% | 30.02% | 29.47% | 30.55% | +461 bps | |
| Equity / Assets | 8.56% | 8.73% | 8.71% | 8.13% | 8.91% | 8.49% | 8.04% | 8.21% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 17.32% | 16.84% | 17.74% | 15.66% | 17.15% | 14.81% | 11.93% | 12.17% | -348 bps | |
| Liquid Assets / Assets | 5.98% | 5.91% | 5.94% | 4.63% | 5.08% | 5.72% | 5.83% | 5.70% | +107 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |