Morgantown, WV · Cert 35364
FDIC
Q1 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | 0.77% | 0.39% | 0.86% | -2.06% | 2.78% | 2.50% | 1.61% | +75 bps | |
| Return on Equity | 6.60% | 7.08% | 3.52% | 7.50% | -17.69% | 21.83% | 17.80% | 11.23% | +373 bps | |
| Net Interest Margin | 3.27% | 3.32% | 3.38% | 3.50% | 3.54% | -3.30% | 4.82% | 4.13% | +63 bps | |
| Efficiency Ratio | 65.13% | 61.94% | 66.23% | 59.68% | 164.25% | 43.50% | 27.89% | 39.28% | -2,040 bps | |
| Non-Interest Burden | 1.95% | 1.85% | 2.05% | 1.88% | 6.29% | -6.84% | 1.05% | 1.45% | -43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.73% | 10.74% | 6.31% | 0.33% | -5.31% | -3.45% | -3.16% | -1.35% | -169 bps | |
| Loan Growth (YoY) | -2.71% | 0.35% | 3.30% | 3.49% | 4.45% | -0.77% | -2.54% | -3.17% | -665 bps | |
| Deposit Growth (YoY) | 9.68% | 9.37% | 4.64% | -0.48% | -5.62% | -5.77% | -5.78% | -3.90% | -342 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 | 0.28% | 0.34% | 0.84% | 0.35% | 0.42% | -0.79% | 0.02% | 0.33% | -2 bps | |
| Allowance / Loans | 1.79% | 1.77% | 1.75% | 1.77% | 1.76% | 0.03% | 0.05% | 0.07% | -170 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 | 14.71% | 14.64% | 14.74% | 15.10% | 14.64% | 11.58% | 11.60% | 12.01% | -308 bps | |
| Equity / Assets | 10.95% | 10.84% | 11.21% | 11.70% | 11.60% | 13.86% | 14.22% | 14.40% | +270 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.92% | 85.77% | 90.63% | 92.87% | 95.09% | 90.31% | 93.75% | 93.57% | +70 bps | |
| Liquid Assets / Assets | 0.49% | 0.06% | 0.12% | 0.14% | 0.09% | 4.91% | 2.91% | 3.46% | +331 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |