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Terra Alta Bank, The

Terra Alta, WV · Cert 15339

FDIC

Q3 2005

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 2005, the quarter ended September 30, 2005, 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

Terra Alta Bank, The

Terra Alta, WV · Cert 15339

FDIC

Q3 2005

$75.2MAssets
$54.4MLoans
$62.5MDeposits
$7.5MEquity
Loan mix
83%RE $31.2M17%C&I $6.4M0%Consumer $0.2MQ3 2004Q3 2005
Deposit mix
80%Interest-bearing $49.9M20%Noninterest $12.7MQ3 2004Q3 2005

NIM

6.02%Q3 ’035.60%Q3 ’045.76%Q3 ’05-3%0%

Non-interest income vs. expense

2.49%Q3 ’032.45%Q3 ’042.43%Q3 ’05-1%-4%

Executive Summary

  • Earnings: ROA of 1.14%, up 1 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Funding: loans stand at 86.99% of deposits as of Q3 2005.

Financial Results

Return on Assets (YTD, annualized)

1.14%+1 bps YoY

Net Interest Margin (YTD, annualized)

3.80%-1 bps YoY

Efficiency Ratio (YTD, annualized)

55.24%-104 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets1.12%1.07%1.16%1.13%1.14%+1 bps
Return on Equity10.89%10.40%11.42%11.26%11.33%+44 bps
Net Interest Margin3.81%3.72%3.75%3.79%3.80%-1 bps
Efficiency Ratio56.29%57.30%57.18%55.98%55.24%-104 bps
Non-Interest Burden1.90%1.91%1.91%1.88%1.83%-7 bps
Growth
Asset Growth (YoY)5.63%5.81%6.28%5.64%3.80%-182 bps
Loan Growth (YoY)19.71%11.01%9.29%12.45%1.42%-1,830 bps
Deposit Growth (YoY)4.66%5.51%6.45%4.73%3.12%-155 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.12%0.17%0.03%0.01%0.03%-9 bps
Allowance / Loans0.97%0.96%1.04%1.10%1.16%+19 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital17.72%17.47%17.64%17.43%17.73%+1 bps
Equity / Assets10.41%10.19%10.04%9.99%10.01%-40 bps
Liquidity & Funding
Loans / Deposits88.45%87.62%86.26%86.96%86.99%-146 bps
Liquid Assets / Assets0.52%0.51%0.53%0.62%0.58%+7 bps
CRE / Total Capitaln/an/an/an/an/an/an/a