PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Commercial Banking&Trust Co.

Parkersburg, WV · Cert 6174

FDIC

Q4 1999

$415.3MAssets
$297.5MLoans
$356.2MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.03%, up 6 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 83.54% of deposits as of Q4 1999.

Return on Assets (YTD, annualized)

1.03%+6 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ1 1998Q2 1998Q3 1998Q4 1998Q1 1999Q2 1999Q3 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets1.18%0.92%1.00%0.96%0.75%0.99%1.01%1.03%+6 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)8.09%139.26%131.29%115.80%94.58%-11.67%-7.82%-5.39%-12,120 bps
Loan Growth (YoY)3.09%123.81%112.37%101.24%90.48%-10.39%-2.53%1.48%-9,976 bps
Deposit Growth (YoY)-0.98%141.75%134.47%125.09%112.16%-12.95%-10.13%-6.28%-13,137 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits86.15%77.31%75.73%77.16%77.35%79.59%82.13%83.54%+639 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a