Philippi, WV · Cert 34838
FDIC
Q1 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.94% | 1.16% | 1.28% | 1.16% | 1.21% | 1.15% | 1.43% | 0.88% | -28 bps | |
| Return on Equity | 8.57% | 10.77% | 12.14% | 11.12% | 11.57% | 11.05% | 13.98% | 8.79% | -233 bps | |
| Net Interest Margin | 4.10% | 4.13% | 4.14% | 4.18% | 4.34% | 4.26% | 4.42% | 4.13% | -5 bps | |
| Efficiency Ratio | 66.64% | 58.22% | 55.89% | 60.43% | 53.69% | 56.54% | 53.36% | 67.80% | +738 bps | |
| Non-Interest Burden | 2.49% | 2.07% | 1.97% | 2.28% | 1.99% | 2.12% | 2.06% | 2.62% | +34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.02% | 7.20% | 9.97% | 10.65% | 9.39% | 8.17% | 4.53% | 7.93% | -272 bps | |
| Loan Growth (YoY) | 7.50% | 3.10% | 12.27% | 9.06% | 10.10% | 11.22% | 6.58% | 6.79% | -228 bps | |
| Deposit Growth (YoY) | 5.17% | 7.46% | 10.33% | 10.67% | 9.43% | 8.29% | 5.00% | 8.76% | -191 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 | 0.13% | 0.28% | 0.12% | 0.04% | 0.03% | 0.37% | 0.04% | 0.00% | -4 bps | |
| Allowance / Loans | 1.00% | 1.03% | 1.00% | 1.03% | 1.05% | 1.06% | 1.09% | 1.15% | +11 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 12.74% | 12.92% | 12.39% | 12.63% | 12.34% | 12.25% | 12.33% | 12.52% | -11 bps | |
| Equity / Assets | 10.87% | 10.72% | 10.42% | 10.49% | 10.45% | 10.33% | 10.20% | 9.91% | -58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.27% | 90.79% | 92.23% | 91.69% | 93.84% | 93.24% | 93.63% | 90.02% | -167 bps | |
| Liquid Assets / Assets | 0.02% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.02% | 0.03% | +2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |