PackageTrendsPeer
Letter portraitLegal landscape

Northern Hancock Bank & Trust Co.

Newell, WV · Cert 22647

FDIC · 2 branches

Q2 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2017, the quarter ended June 30, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Northern Hancock Bank & Trust Co.

Newell, WV · Cert 22647

FDIC · 2 branches

Q2 2017

$26.1MAssets
$19.0MLoans
$22.3MDeposits
$3.2MEquity
Loan mix
78%RE $13.4M8%C&I $1.3M14%Consumer $2.4MQ2 2016Q2 2017
Deposit mix
80%Interest-bearing $17.8M20%Noninterest $4.6MQ2 2016Q2 2017

NIM

7.40%Q2 ’157.33%Q2 ’166.82%Q2 ’17+0%-8%

Non-interest income vs. expense

6.81%Q2 ’157.30%Q2 ’167.79%Q2 ’17+10%+10%

Market Position · Weirton-Steubenville, WV-OH · 2017 SOD (annual) · 1.3% share · #12 of 14 inst. · $0.0B of $1.8B

Executive Summary

  • Earnings: ROA of -1.07%, down 135 bps year over year; NIM at 6.38%.
  • Asset quality: problem loans at 3.06% of loans (+306 bps YoY), with net charge-offs at 0.23%.
  • Capital: tier 1 leverage ratio of 12.01%, down 114 bps from a year ago.
  • Funding: loans stand at 85.23% of deposits as of Q2 2017.

Financial Results

Return on Assets (YTD, annualized)

-1.07%-135 bps YoY

Net Interest Margin (YTD, annualized)

6.38%-55 bps YoY

Efficiency Ratio (YTD, annualized)

113.60%+1,737 bps YoY

Tier 1 Leverage Ratio

12.01%-114 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets0.28%0.19%-0.01%-2.39%-1.07%-135 bps
Return on Equity2.15%1.44%-0.09%-19.47%-8.69%-1,084 bps
Net Interest Margin6.93%7.11%6.79%6.40%6.38%-55 bps
Efficiency Ratio96.23%95.95%96.25%131.02%113.60%+1,737 bps
Non-Interest Burden6.65%6.79%6.50%8.53%7.32%+67 bps
Growth
Asset Growth (YoY)-4.96%-3.64%-2.05%2.24%4.71%+967 bps
Loan Growth (YoY)-0.60%1.91%3.51%-0.37%-2.42%-181 bps
Deposit Growth (YoY)-6.08%-4.39%-2.06%3.58%6.53%+1,261 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%3.45%3.06%+306 bps
Net Charge-Offs / Loans0.30%0.28%0.61%0.47%0.23%-7 bps
Allowance / Loans1.27%1.31%1.19%1.17%1.21%-6 bps
Allowance Coverage of NPLsn/an/an/a0.3x0.4xn/a
Capital
Tier 1 Leverage Ratio13.15%13.33%12.47%11.94%12.01%-114 bps
Total Risk-Based Capital22.24%22.20%20.07%19.72%20.49%-175 bps
Equity / Assets13.76%13.34%12.53%12.01%12.37%-139 bps
Liquidity & Funding
Loans / Deposits93.04%90.49%86.34%85.22%85.23%-781 bps
Liquid Assets / Assets9.70%11.00%14.86%16.38%16.79%+709 bps
CRE / Total Capitaln/an/an/an/an/an/an/a