Mount Pleasant, OH · Cert 6649
FDIC · 3 branches
Q4 2019
Market Position · Weirton-Steubenville, WV-OH · 2019 SOD (annual) · 3.5% share · #9 of 14 inst. · $0.1B of $1.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.66% | 0.93% | 0.63% | 0.52% | 0.85% | 1.16% | 1.10% | 0.50% | -3 bps | |
| Return on Equity | 5.99% | 8.34% | 5.67% | 4.90% | 8.20% | 10.82% | 9.66% | 4.33% | -57 bps | |
| Net Interest Margin | 3.78% | 3.87% | 3.85% | 3.95% | 3.93% | 4.12% | 4.26% | 4.21% | +26 bps | |
| Efficiency Ratio | 70.83% | 68.15% | 72.86% | 73.28% | 65.90% | 63.63% | 66.17% | 71.64% | -164 bps | |
| Non-Interest Burden | 2.64% | 2.60% | 2.77% | 2.86% | 2.55% | 2.57% | 2.77% | 2.97% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.68% | 9.44% | 10.32% | 12.08% | 13.64% | 7.58% | 0.23% | -4.98% | -1,706 bps | |
| Loan Growth (YoY) | 15.98% | 13.11% | 9.68% | 11.00% | 10.62% | 11.09% | 12.54% | 7.96% | -304 bps | |
| Deposit Growth (YoY) | 13.29% | 10.67% | 11.56% | 13.41% | 14.88% | 7.88% | -1.50% | -9.36% | -2,277 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.16% | 0.13% | 0.26% | 0.24% | 0.21% | 0.10% | 0.17% | 0.19% | -5 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.17% | 0.15% | 0.29% | 0.20% | -0.02% | 0.14% | 0.36% | +7 bps | |
| Allowance / Loans | 0.77% | 0.76% | 0.80% | 0.76% | 0.80% | 0.82% | 0.81% | 0.80% | +4 bps | |
| Allowance Coverage of NPLs | 4.8x | 5.7x | 3.1x | 3.1x | 3.7x | 8.6x | 4.7x | 4.1x | +1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.22% | 11.24% | 11.14% | 10.79% | 10.58% | 10.83% | 11.43% | 11.28% | +49 bps | |
| Total Risk-Based Capital | 21.25% | 21.50% | 21.18% | 20.61% | 20.44% | 20.88% | 20.88% | 20.38% | -24 bps | |
| Equity / Assets | 10.97% | 11.22% | 10.90% | 10.51% | 10.27% | 11.19% | 11.56% | 11.46% | +95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.56% | 78.55% | 75.74% | 76.29% | 74.68% | 80.88% | 86.53% | 90.87% | +1,458 bps | |
| Liquid Assets / Assets | 17.31% | 17.74% | 18.41% | 18.21% | 17.41% | 17.48% | 16.34% | 16.09% | -212 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |