Greenville, WV · Cert 15866
FDIC
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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.
Greenville, WV · Cert 15866
FDIC
Q3 2002
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 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | 0.30% | -1.24% | -0.89% | -1.29% | 0.68% | 0.86% | 0.77% | +167 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 15.56% | 18.29% | 15.70% | n/a | |
| Net Interest Margin | n/a | 3.77% | 3.09% | 3.18% | 3.14% | 4.51% | 5.18% | 5.07% | +189 bps | |
| Efficiency Ratio | n/a | 93.12% | 104.71% | 101.20% | 112.15% | 76.11% | 75.76% | 79.73% | -2,147 bps | |
| Non-Interest Burden | n/a | 3.48% | 3.26% | 3.22% | 3.58% | 3.30% | 3.78% | 3.92% | +70 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.18% | 29.09% | 32.13% | 27.32% | 16.61% | -7.69% | -17.27% | -19.49% | -4,682 bps | |
| Loan Growth (YoY) | 23.53% | 21.06% | 9.88% | 1.51% | -5.32% | -11.58% | -16.74% | -22.88% | -2,440 bps | |
| Deposit Growth (YoY) | 17.08% | 31.08% | 35.85% | 30.48% | 19.52% | -6.41% | -17.97% | -20.35% | -5,082 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 | n/a | 0.60% | 1.71% | 2.00% | 2.24% | 1.11% | 0.70% | 1.25% | -74 bps | |
| Allowance / Loans | n/a | 1.61% | 2.23% | 1.80% | 2.62% | 2.64% | 2.85% | 2.53% | +72 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 | n/a | 8.59% | 8.93% | 8.95% | 8.06% | 8.80% | 10.01% | 11.14% | +219 bps | |
| Equity / Assets | n/a | 5.63% | 4.60% | 4.67% | 4.15% | 4.61% | 5.44% | 5.67% | +100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.25% | 65.63% | 62.14% | 60.44% | 58.82% | 61.99% | 63.07% | 58.52% | -192 bps | |
| Liquid Assets / Assets | 0.00% | 6.69% | 3.90% | 3.27% | 3.33% | 3.26% | 3.47% | 2.48% | -79 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |