Barboursville, WV · Cert 14361
FDIC · 4 branches
Q1 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2020, the quarter ended March 31, 2020, 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.
Barboursville, WV · Cert 14361
FDIC · 4 branches
Q1 2020
Market Position · Huntington-Ashland, WV-KY-OH · 2019 SOD (annual) · 2.2% share · #18 of 27 inst. · $0.1B of $6.0B
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 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.09% | -2.81% | -4.28% | -1.84% | -2.28% | -1.90% | -2.40% | -4.06% | -222 bps | |
| Return on Equity | -54.44% | -51.81% | -87.35% | -69.38% | -87.31% | -74.74% | -103.60% | -407% | -33,733 bps | |
| Net Interest Margin | 3.08% | 3.13% | 3.16% | 2.86% | 2.84% | 2.57% | 2.41% | 1.78% | -108 bps | |
| Efficiency Ratio | 168.18% | 160.90% | 191.17% | 139.12% | 153.70% | 146.95% | 160.58% | 249% | +11,006 bps | |
| Non-Interest Burden | 6.20% | 6.05% | 7.58% | 4.57% | 5.11% | 4.42% | 4.74% | 5.78% | +121 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.88% | -13.69% | -14.73% | -14.35% | -7.11% | -2.11% | -1.77% | 1.72% | +1,607 bps | |
| Loan Growth (YoY) | -22.55% | -19.36% | -18.69% | -14.07% | -8.81% | -11.11% | -11.26% | -13.51% | +55 bps | |
| Deposit Growth (YoY) | -18.39% | -17.92% | -14.19% | -14.53% | -4.82% | 2.48% | 8.78% | 17.54% | +3,207 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 13.04% | 14.88% | 16.95% | 19.81% | 19.06% | 20.57% | 24.13% | 26.72% | +691 bps | |
| Net Charge-Offs / Loans | -0.25% | -0.14% | -0.09% | 0.41% | 0.47% | 0.41% | -0.02% | -0.10% | -51 bps | |
| Allowance / Loans | 1.63% | 1.63% | 1.67% | 1.63% | 1.51% | 1.51% | 1.90% | 2.04% | +41 bps | |
| Allowance Coverage of NPLs | 0.1x | 0.1x | 0.1x | 0.1x | 0.1x | 0.1x | 0.1x | 0.1x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 5.17% | 4.88% | 2.75% | 2.74% | 2.59% | 2.28% | 1.30% | 0.33% | -240 bps | |
| Total Risk-Based Capital | 8.17% | 7.56% | 4.90% | 4.77% | 4.53% | 4.22% | 2.99% | 1.70% | -307 bps | |
| Equity / Assets | 5.01% | 4.61% | 2.57% | 2.73% | 2.53% | 2.34% | 1.43% | 0.57% | -217 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.04% | 81.52% | 81.53% | 83.09% | 76.68% | 70.71% | 66.51% | 61.14% | -2,195 bps | |
| Liquid Assets / Assets | 5.46% | 4.03% | 4.16% | 4.75% | 9.68% | 12.32% | 11.50% | 14.76% | +1,001 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |