Charleston, WV · Cert 57514
FDIC · 1 branch
Q3 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2018, the quarter ended September 30, 2018, 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.
Charleston, WV · Cert 57514
FDIC · 1 branch
Q3 2018
Market Position · Charleston, WV · 2018 SOD (annual) · 2.4% share · #9 of 15 inst. · $0.1B of $5.8B
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.78% | 0.73% | 0.82% | 0.65% | 0.57% | 0.84% | 0.75% | 0.76% | +11 bps | |
| Return on Equity | 6.89% | 6.53% | 7.18% | 5.68% | 4.98% | 7.05% | 6.23% | 6.24% | +56 bps | |
| Net Interest Margin | 3.47% | 3.41% | 3.53% | 3.37% | 3.30% | 3.43% | 3.37% | 3.42% | +5 bps | |
| Efficiency Ratio | 55.87% | 56.38% | 54.74% | 56.33% | 57.08% | 61.82% | 64.27% | 64.00% | +767 bps | |
| Non-Interest Burden | 1.86% | 1.82% | 1.82% | 1.80% | 1.79% | 2.03% | 2.08% | 2.10% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.14% | -1.39% | -4.87% | -1.78% | -3.62% | -7.19% | -5.46% | -9.44% | -766 bps | |
| Loan Growth (YoY) | -3.25% | -4.90% | -5.12% | -3.30% | -7.63% | -11.20% | -11.51% | -14.24% | -1,094 bps | |
| Deposit Growth (YoY) | 8.72% | 2.47% | -2.16% | 0.88% | -2.08% | -8.47% | -8.76% | -12.47% | -1,335 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.90% | 0.92% | 2.66% | 1.90% | 1.93% | 2.01% | 2.20% | -46 bps | |
| Net Charge-Offs / Loans | 0.85% | 1.16% | 0.63% | 0.39% | 0.96% | -0.19% | -0.13% | -0.06% | -45 bps | |
| Allowance / Loans | 1.21% | 1.04% | 1.10% | 1.43% | 1.24% | 1.43% | 1.55% | 1.66% | +24 bps | |
| Allowance Coverage of NPLs | n/a | 1.2x | 1.2x | 0.5x | 0.6x | 0.7x | 0.8x | 0.8x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.91% | 11.61% | 12.28% | 11.84% | 11.79% | 12.40% | 12.59% | 13.11% | +127 bps | |
| Total Risk-Based Capital | 15.81% | 16.26% | 17.15% | 17.15% | 17.96% | 18.97% | 19.22% | 20.16% | +301 bps | |
| Equity / Assets | 11.07% | 11.25% | 11.84% | 11.69% | 11.74% | 12.07% | 12.17% | 12.67% | +98 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.12% | 92.67% | 92.55% | 93.83% | 91.62% | 89.92% | 89.76% | 91.94% | -189 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | 0.08% | +8 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |