Huntington, WV · Cert 34842
FDIC
Q2 2009
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 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.49% | 0.46% | 0.50% | 0.44% | 0.08% | -0.66% | -0.36% | -85 bps | |
| Return on Equity | 6.16% | 5.39% | 5.00% | 5.38% | 4.85% | 0.88% | -7.49% | -4.09% | -946 bps | |
| Net Interest Margin | 3.70% | 3.57% | 3.49% | 3.34% | 3.18% | 3.24% | 2.85% | 2.87% | -47 bps | |
| Efficiency Ratio | 75.25% | 76.07% | 77.10% | 81.18% | 79.68% | 80.22% | 86.44% | 90.06% | +888 bps | |
| Non-Interest Burden | 2.70% | 2.65% | 2.63% | 2.67% | 2.48% | 2.54% | 2.43% | 2.56% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.68% | 8.23% | 0.12% | 0.75% | 2.00% | 2.66% | -1.15% | 0.31% | -44 bps | |
| Loan Growth (YoY) | 12.59% | 10.13% | 8.09% | 5.25% | 3.35% | 2.90% | 5.13% | 3.44% | -181 bps | |
| Deposit Growth (YoY) | 7.18% | 6.51% | -2.98% | -0.34% | 2.65% | -2.59% | -3.19% | -0.14% | +20 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 | 0.15% | 0.47% | 0.20% | 0.17% | 0.15% | 0.13% | 0.07% | 0.14% | -3 bps | |
| Allowance / Loans | 1.46% | 1.17% | 1.18% | 1.19% | 1.19% | 1.22% | 1.22% | 1.18% | -1 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 | 11.54% | 12.02% | 12.19% | 11.93% | 11.74% | 11.57% | 11.45% | 11.33% | -60 bps | |
| Equity / Assets | 8.74% | 9.16% | 9.26% | 9.25% | 8.70% | 8.74% | 8.82% | 8.64% | -60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.30% | 96.49% | 93.48% | 98.53% | 98.96% | 101.93% | 101.51% | 102.06% | +353 bps | |
| Liquid Assets / Assets | 3.66% | 3.93% | 3.88% | 3.83% | 3.60% | 4.09% | 4.87% | 4.75% | +92 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |