Newell, WV · Cert 22647
FDIC · 2 branches
Q2 2017
Market Position · Weirton-Steubenville, WV-OH · 2017 SOD (annual) · 1.3% share · #12 of 14 inst. · $0.0B of $1.8B
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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.62% | 0.54% | 0.28% | 0.19% | -0.01% | -2.39% | -1.07% | -135 bps | |
| Return on Equity | 4.96% | 4.88% | 4.18% | 2.15% | 1.44% | -0.09% | -19.47% | -8.69% | -1,084 bps | |
| Net Interest Margin | 7.03% | 6.80% | 7.06% | 6.93% | 7.11% | 6.79% | 6.40% | 6.38% | -55 bps | |
| Efficiency Ratio | 88.09% | 86.94% | 93.02% | 96.23% | 95.95% | 96.25% | 131.02% | 113.60% | +1,737 bps | |
| Non-Interest Burden | 6.11% | 5.81% | 6.51% | 6.65% | 6.79% | 6.50% | 8.53% | 7.32% | +67 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.38% | 2.35% | -2.60% | -4.96% | -3.64% | -2.05% | 2.24% | 4.71% | +967 bps | |
| Loan Growth (YoY) | -2.45% | -6.23% | -1.74% | -0.60% | 1.91% | 3.51% | -0.37% | -2.42% | -181 bps | |
| Deposit Growth (YoY) | -2.94% | 2.51% | -3.28% | -6.08% | -4.39% | -2.06% | 3.58% | 6.53% | +1,261 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 3.45% | 3.06% | +306 bps | |
| Net Charge-Offs / Loans | 0.70% | 0.70% | 0.45% | 0.30% | 0.28% | 0.61% | 0.47% | 0.23% | -7 bps | |
| Allowance / Loans | 1.36% | 1.45% | 1.30% | 1.27% | 1.31% | 1.19% | 1.17% | 1.21% | -6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 0.3x | 0.4x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.89% | 12.73% | 12.91% | 13.15% | 13.33% | 12.47% | 11.94% | 12.01% | -114 bps | |
| Total Risk-Based Capital | 22.56% | 22.76% | 22.32% | 22.24% | 22.20% | 20.07% | 19.72% | 20.49% | -175 bps | |
| Equity / Assets | 12.83% | 12.61% | 13.12% | 13.76% | 13.34% | 12.53% | 12.01% | 12.37% | -139 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.90% | 81.70% | 88.59% | 93.04% | 90.49% | 86.34% | 85.22% | 85.23% | -781 bps | |
| Liquid Assets / Assets | 14.60% | 18.47% | 13.33% | 9.70% | 11.00% | 14.86% | 16.38% | 16.79% | +709 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |