PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank of Greenville

Greenville, WV · Cert 15866

FDIC

Q3 2002

$29.8MAssets
$16.4MLoans
$28.0MDeposits
$1.7MEquity
Deposit mix
82%Interest-bearing $23.1M18%Noninterest $4.9MQ3 2001Q3 2002

NIM

8.28%Q1 ’017.24%Q3 ’017.11%Q3 ’02-16%+60%

Non-interest income vs. expense

3.98%Q1 ’013.69%Q3 ’014.50%Q3 ’02-7%+22%

Executive Summary

  • Earnings: ROA of 0.77%, up 167 bps year over year; NIM at 5.07%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.25%.
  • Funding: loans stand at 58.52% of deposits as of Q3 2002.

Financial Results

Return on Assets (YTD, annualized)

0.77%+167 bps YoY

Net Interest Margin (YTD, annualized)

5.07%+189 bps YoY

Efficiency Ratio (YTD, annualized)

79.73%-2,147 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2001Q4 2001Q1 2002Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets-0.89%-1.29%0.68%0.86%0.77%+167 bps
Return on Equityn/an/a15.56%18.29%15.70%n/a
Net Interest Margin3.18%3.14%4.51%5.18%5.07%+189 bps
Efficiency Ratio101.20%112.15%76.11%75.76%79.73%-2,147 bps
Non-Interest Burden3.22%3.58%3.30%3.78%3.92%+70 bps
Growth
Asset Growth (YoY)27.32%16.61%-7.69%-17.27%-19.49%-4,682 bps
Loan Growth (YoY)1.51%-5.32%-11.58%-16.74%-22.88%-2,440 bps
Deposit Growth (YoY)30.48%19.52%-6.41%-17.97%-20.35%-5,082 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.00%2.24%1.11%0.70%1.25%-74 bps
Allowance / Loans1.80%2.62%2.64%2.85%2.53%+72 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 Capital8.95%8.06%8.80%10.01%11.14%+219 bps
Equity / Assets4.67%4.15%4.61%5.44%5.67%+100 bps
Liquidity & Funding
Loans / Deposits60.44%58.82%61.99%63.07%58.52%-192 bps
Liquid Assets / Assets3.27%3.33%3.26%3.47%2.48%-79 bps
CRE / Total Capitaln/an/an/an/an/an/an/a