Huntington, WV · Cert 34241
FDIC · 5 branches
Q1 2018
Market Position · Huntington-Ashland, WV-KY-OH · 2017 SOD (annual) · 9.4% share · #3 of 29 inst. · $0.5B of $5.7B
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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.99% | 1.00% | 0.99% | 0.93% | 0.94% | 0.97% | 0.95% | 1.08% | +15 bps | |
| Return on Equity | 9.84% | 9.92% | 10.10% | 10.44% | 10.50% | 10.73% | 10.72% | 12.49% | +205 bps | |
| Net Interest Margin | 3.24% | 3.12% | 2.84% | 3.05% | 3.02% | 3.08% | 3.02% | 3.04% | -2 bps | |
| Efficiency Ratio | 56.48% | 56.67% | 56.50% | 54.51% | 55.27% | 54.34% | 54.83% | 53.23% | -128 bps | |
| Non-Interest Burden | 1.69% | 1.63% | 1.47% | 1.51% | 1.52% | 1.53% | 1.52% | 1.49% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.18% | 6.00% | 23.89% | 33.02% | 29.71% | 23.37% | 17.37% | 3.41% | -2,960 bps | |
| Loan Growth (YoY) | 2.12% | 2.23% | 18.61% | 19.07% | 21.43% | 20.55% | 6.59% | 5.41% | -1,366 bps | |
| Deposit Growth (YoY) | 4.76% | 6.42% | 26.26% | 33.59% | 29.66% | 18.92% | 15.85% | 5.14% | -2,845 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.25% | 0.39% | 0.53% | 0.43% | 0.28% | +3 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.01% | 0.03% | 0.18% | 0.04% | 0.08% | 0.12% | 0.21% | +3 bps | |
| Allowance / Loans | 1.61% | 1.58% | 1.39% | 1.39% | 1.41% | 1.41% | 1.33% | 1.32% | -6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 5.5x | 3.6x | 2.7x | 3.1x | 4.8x | -0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.74% | 9.51% | 9.09% | 8.62% | 8.57% | 8.76% | 8.64% | 8.54% | -8 bps | |
| Total Risk-Based Capital | 15.43% | 15.57% | 14.24% | 13.84% | 13.58% | 14.11% | 14.07% | 14.47% | +63 bps | |
| Equity / Assets | 10.32% | 9.89% | 9.17% | 8.64% | 9.10% | 9.20% | 8.38% | 8.95% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.63% | 85.21% | 84.37% | 80.43% | 85.81% | 86.38% | 77.62% | 80.65% | +21 bps | |
| Liquid Assets / Assets | 9.92% | 9.43% | 11.69% | 12.02% | 9.34% | 8.89% | 14.04% | 11.13% | -89 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |