Gassaway, WV · Cert 15397
FDIC
Q1 2014
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 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.57% | 0.60% | 0.62% | 0.57% | 0.56% | 0.58% | 0.54% | -8 bps | |
| Return on Equity | 3.96% | 4.16% | 4.70% | 6.40% | 5.85% | 5.60% | 5.84% | 5.37% | -103 bps | |
| Net Interest Margin | 3.48% | 3.38% | 3.43% | 3.54% | 3.53% | 3.60% | 3.65% | 3.63% | +9 bps | |
| Efficiency Ratio | 75.99% | 74.63% | 75.16% | 73.35% | 75.99% | 77.13% | 77.80% | 81.03% | +767 bps | |
| Non-Interest Burden | 2.48% | 2.36% | 2.42% | 2.39% | 2.52% | 2.62% | 2.69% | 2.82% | +44 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.30% | 3.45% | 6.79% | -5.45% | -2.26% | -5.26% | -3.47% | 3.70% | +915 bps | |
| Loan Growth (YoY) | 2.10% | 4.74% | 6.51% | 8.85% | 8.61% | 6.22% | 3.73% | 0.33% | -851 bps | |
| Deposit Growth (YoY) | 5.33% | 3.11% | 12.49% | -2.14% | 2.11% | -1.18% | -3.98% | 4.01% | +615 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 | 0.25% | 0.16% | 0.19% | 0.02% | 0.10% | 0.07% | 0.14% | 0.22% | +19 bps | |
| Allowance / Loans | 1.48% | 1.52% | 1.43% | 1.47% | 1.45% | 1.50% | 1.43% | 1.40% | -7 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 | 27.46% | 27.84% | 19.39% | 19.78% | 20.05% | 20.49% | 20.69% | 20.99% | +121 bps | |
| Equity / Assets | 13.66% | 13.87% | 9.48% | 9.94% | 9.99% | 10.39% | 10.12% | 9.87% | -7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.61% | 62.13% | 59.03% | 62.42% | 64.48% | 66.78% | 63.77% | 60.22% | -221 bps | |
| Liquid Assets / Assets | 0.09% | 3.53% | 3.45% | 3.58% | 3.53% | 3.72% | 3.56% | 3.44% | -13 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |