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First Sentry Bank, Inc.

Huntington, WV · Cert 34241

FDIC · 5 branches

Q1 2018

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: Q1 2018, the quarter ended March 31, 2018, 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 2026-10-11

First Sentry Bank, Inc.

Huntington, WV · Cert 34241

FDIC · 5 branches

Q1 2018

$705.0MAssets
$465.7MLoans
$577.4MDeposits
$63.1MEquity
Loan mix
74%RE $275.6M23%C&I $87.1M3%Consumer $10.9MQ1 2017Q1 2018
Deposit mix
81%Interest-bearing $468.6M19%Noninterest $108.8MQ1 2017Q1 2018

NIM

3.87%Q1 ’163.66%Q1 ’173.91%Q1 ’18-6%-1%

Non-interest income vs. expense

1.92%Q1 ’161.84%Q1 ’171.75%Q1 ’18-10%-1%

Market Position · Huntington-Ashland, WV-KY-OH · 2017 SOD (annual) · 9.4% share · #3 of 29 inst. · $0.5B of $5.7B

19.8% Cabell
5.0% Putnam
8.4% Lincoln

Executive Summary

  • Earnings: ROA of 1.08%, up 15 bps year over year; NIM at 3.04%.
  • Asset quality: problem loans at 0.28% of loans (+3 bps YoY), with net charge-offs at 0.21%.
  • Capital: tier 1 leverage ratio of 8.54%, down 8 bps from a year ago.
  • Funding: loans stand at 80.65% of deposits as of Q1 2018.

Financial Results

Return on Assets (YTD, annualized)

1.08%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.04%-2 bps YoY

Efficiency Ratio (YTD, annualized)

53.23%-128 bps YoY

Tier 1 Leverage Ratio

8.54%-8 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2017Q2 2017Q3 2017Q4 2017Q1 2018YoY ΔTrend
Earnings
Return on Assets0.93%0.94%0.97%0.95%1.08%+15 bps
Return on Equity10.44%10.50%10.73%10.72%12.49%+205 bps
Net Interest Margin3.05%3.02%3.08%3.02%3.04%-2 bps
Efficiency Ratio54.51%55.27%54.34%54.83%53.23%-128 bps
Non-Interest Burden1.51%1.52%1.53%1.52%1.49%-2 bps
Growth
Asset Growth (YoY)33.02%29.71%23.37%17.37%3.41%-2,960 bps
Loan Growth (YoY)19.07%21.43%20.55%6.59%5.41%-1,366 bps
Deposit Growth (YoY)33.59%29.66%18.92%15.85%5.14%-2,845 bps
Asset Quality
Nonperforming Loans / Loans0.25%0.39%0.53%0.43%0.28%+3 bps
Net Charge-Offs / Loans0.18%0.04%0.08%0.12%0.21%+3 bps
Allowance / Loans1.39%1.41%1.41%1.33%1.32%-6 bps
Allowance Coverage of NPLs5.5x3.6x2.7x3.1x4.8x-0.7x
Capital
Tier 1 Leverage Ratio8.62%8.57%8.76%8.64%8.54%-8 bps
Total Risk-Based Capital13.84%13.58%14.11%14.07%14.47%+63 bps
Equity / Assets8.64%9.10%9.20%8.38%8.95%+30 bps
Liquidity & Funding
Loans / Deposits80.43%85.81%86.38%77.62%80.65%+21 bps
Liquid Assets / Assets12.02%9.34%8.89%14.04%11.13%-89 bps
CRE / Total Capitaln/an/an/an/an/an/an/a