PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Community Bk Pennsboro Inc.

Pennsboro, WV · Cert 15438

FDIC

Q1 1998

$21.6MAssets
$12.9MLoans
$19.1MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.83%, down 27 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 67.87% of deposits as of Q1 1998.

Return on Assets (YTD, annualized)

0.83%-27 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998YoY ΔTrend
Earnings
Return on Assets0.99%1.10%1.16%1.09%1.17%1.11%0.93%0.83%-27 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)-3.66%0.41%0.98%0.03%3.03%5.13%6.84%5.41%+539 bps
Loan Growth (YoY)4.56%7.75%10.65%4.65%5.06%1.78%-0.46%-4.10%-875 bps
Deposit Growth (YoY)-3.77%-3.46%-3.47%-1.48%3.69%12.46%12.03%9.98%+1,146 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits71.91%79.09%79.61%77.82%72.87%71.58%70.74%67.87%-996 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a