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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.65% | 0.57% | 0.84% | 0.75% | 0.76% | +11 bps | |
| Return on Equity | 5.68% | 4.98% | 7.05% | 6.23% | 6.24% | +56 bps | |
| Net Interest Margin | 3.37% | 3.30% | 3.43% | 3.37% | 3.42% | +5 bps | |
| Efficiency Ratio | 56.33% | 57.08% | 61.82% | 64.27% | 64.00% | +767 bps | |
| Non-Interest Burden | 1.80% | 1.79% | 2.03% | 2.08% | 2.10% | +31 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.78% | -3.62% | -7.19% | -5.46% | -9.44% | -766 bps | |
| Loan Growth (YoY) | -3.30% | -7.63% | -11.20% | -11.51% | -14.24% | -1,094 bps | |
| Deposit Growth (YoY) | 0.88% | -2.08% | -8.47% | -8.76% | -12.47% | -1,335 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.66% | 1.90% | 1.93% | 2.01% | 2.20% | -46 bps | |
| Net Charge-Offs / Loans | 0.39% | 0.96% | -0.19% | -0.13% | -0.06% | -45 bps | |
| Allowance / Loans | 1.43% | 1.24% | 1.43% | 1.55% | 1.66% | +24 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.6x | 0.7x | 0.8x | 0.8x | +0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.84% | 11.79% | 12.40% | 12.59% | 13.11% | +127 bps | |
| Total Risk-Based Capital | 17.15% | 17.96% | 18.97% | 19.22% | 20.16% | +301 bps | |
| Equity / Assets | 11.69% | 11.74% | 12.07% | 12.17% | 12.67% | +98 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 93.83% | 91.62% | 89.92% | 89.76% | 91.94% | -189 bps | |
| Liquid Assets / Assets | 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 |