Nitro, WV · Cert 34245
FDIC · 2 branches
Q3 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2016, the quarter ended September 30, 2016, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Nitro, WV · Cert 34245
FDIC · 2 branches
Q3 2016
Market Position · Huntington-Ashland, WV-KY-OH · 2016 SOD (annual) · 1.3% share · #19 of 29 inst. · $0.1B of $5.5B
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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.29% | 0.23% | 0.19% | 0.16% | 0.41% | 0.54% | 0.30% | 0.03% | -14 bps | |
| Return on Equity | 2.72% | 2.13% | 1.75% | 1.53% | 3.90% | 5.11% | 2.88% | 0.25% | -127 bps | |
| Net Interest Margin | 3.89% | 3.92% | 3.81% | 3.81% | 3.76% | 4.02% | 3.80% | 3.64% | -17 bps | |
| Efficiency Ratio | 82.53% | 83.12% | 84.07% | 84.88% | 82.73% | 79.37% | 88.92% | 94.19% | +932 bps | |
| Non-Interest Burden | 3.14% | 3.18% | 3.14% | 3.19% | 3.06% | 3.07% | 3.35% | 3.41% | +22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.59% | 1.83% | 1.73% | 3.82% | 7.23% | 2.50% | 11.26% | 10.03% | +620 bps | |
| Loan Growth (YoY) | 2.05% | 0.92% | 2.94% | 7.66% | 5.95% | 6.25% | 5.74% | -1.20% | -886 bps | |
| Deposit Growth (YoY) | -2.23% | 1.93% | 2.04% | 3.52% | 7.72% | 2.35% | 12.22% | 11.54% | +802 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.31% | 0.10% | 0.59% | 0.37% | 0.25% | 0.04% | -0.11% | -0.08% | -45 bps | |
| Allowance / Loans | 1.19% | 1.24% | 1.05% | 1.11% | 1.19% | 1.20% | 1.33% | 1.42% | +31 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | 10.67% | 10.34% | 10.32% | 10.25% | 10.37% | 10.07% | 9.70% | -62 bps | |
| Total Risk-Based Capital | 18.60% | 18.68% | 18.55% | 17.50% | 17.72% | 16.61% | 17.17% | 16.40% | -110 bps | |
| Equity / Assets | 10.96% | 10.54% | 10.51% | 10.55% | 10.51% | 10.61% | 9.81% | 9.93% | -62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.12% | 83.34% | 84.31% | 87.64% | 84.70% | 86.52% | 79.44% | 77.63% | -1,001 bps | |
| Liquid Assets / Assets | 0.50% | 0.48% | 0.49% | 0.49% | 1.80% | 0.47% | 3.81% | 0.44% | -4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |