Wheeling, WV · Cert 14043
FDIC
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, 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 14043
FDIC
Q1 2005
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.22% | 0.98% | 0.91% | 0.89% | 0.89% | 0.90% | 0.94% | 0.83% | -6 bps | |
| Return on Equity | 10.82% | 8.81% | 8.22% | 8.19% | 8.64% | 8.90% | 9.41% | 8.65% | +46 bps | |
| Net Interest Margin | 3.10% | 3.08% | 3.10% | 3.49% | 3.37% | 3.45% | 3.48% | 3.50% | +1 bps | |
| Efficiency Ratio | 82.27% | 83.01% | 81.41% | 70.87% | 73.67% | 74.56% | 74.75% | 73.52% | +265 bps | |
| Non-Interest Burden | 2.36% | 2.37% | 2.32% | 2.18% | 2.24% | 2.33% | 2.36% | 2.32% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.47% | 3.53% | 3.54% | 6.69% | 2.14% | -0.13% | 0.85% | -4.60% | -1,129 bps | |
| Loan Growth (YoY) | 16.30% | 16.75% | 19.95% | 23.75% | 24.94% | 18.45% | 10.98% | 1.04% | -2,271 bps | |
| Deposit Growth (YoY) | 1.98% | 1.83% | 2.10% | 0.09% | -0.34% | -2.48% | -1.35% | -1.74% | -183 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -1.45% | -1.00% | -0.23% | -0.04% | -0.06% | -0.05% | -0.15% | 0.14% | +18 bps | |
| Allowance / Loans | 2.85% | 2.76% | 2.09% | 1.99% | 1.84% | 1.75% | 1.72% | 1.75% | -24 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 17.46% | 16.38% | 15.89% | 15.54% | 13.69% | 14.21% | 14.09% | 14.81% | -73 bps | |
| Equity / Assets | 11.49% | 10.84% | 10.90% | 10.78% | 9.24% | 9.69% | 9.50% | 9.61% | -117 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 59.40% | 62.60% | 66.78% | 72.31% | 74.47% | 76.04% | 75.13% | 74.35% | +205 bps | |
| Liquid Assets / Assets | 0.13% | 0.47% | 0.09% | 0.09% | 0.09% | 0.09% | 0.11% | 0.47% | +37 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |