Terra Alta, WV · Cert 15339
FDIC
Q3 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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.99% | 1.24% | 1.10% | 1.12% | 1.07% | 1.16% | 1.13% | 1.14% | +1 bps | |
| Return on Equity | 9.80% | 12.03% | 10.65% | 10.89% | 10.40% | 11.42% | 11.26% | 11.33% | +44 bps | |
| Net Interest Margin | 3.92% | 4.00% | 3.82% | 3.81% | 3.72% | 3.75% | 3.79% | 3.80% | -1 bps | |
| Efficiency Ratio | 62.01% | 55.97% | 57.30% | 56.29% | 57.30% | 57.18% | 55.98% | 55.24% | -104 bps | |
| Non-Interest Burden | 2.21% | 1.99% | 1.94% | 1.90% | 1.91% | 1.91% | 1.88% | 1.83% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.38% | 1.51% | 4.31% | 5.63% | 5.81% | 6.28% | 5.64% | 3.80% | -182 bps | |
| Loan Growth (YoY) | 20.33% | 19.49% | 13.22% | 19.71% | 11.01% | 9.29% | 12.45% | 1.42% | -1,830 bps | |
| Deposit Growth (YoY) | 1.16% | 2.06% | 4.75% | 4.66% | 5.51% | 6.45% | 4.73% | 3.12% | -155 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 | 0.15% | 0.15% | 0.07% | 0.12% | 0.17% | 0.03% | 0.01% | 0.03% | -9 bps | |
| Allowance / Loans | 0.92% | 0.97% | 1.06% | 0.97% | 0.96% | 1.04% | 1.10% | 1.16% | +19 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 | 17.85% | 18.13% | 18.61% | 17.72% | 17.47% | 17.64% | 17.43% | 17.73% | +1 bps | |
| Equity / Assets | 10.14% | 10.51% | 10.23% | 10.41% | 10.19% | 10.04% | 9.99% | 10.01% | -40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.28% | 84.02% | 80.99% | 88.45% | 87.62% | 86.26% | 86.96% | 86.99% | -146 bps | |
| Liquid Assets / Assets | 0.50% | 1.00% | 0.50% | 0.52% | 0.51% | 0.53% | 0.62% | 0.58% | +7 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |