PackageTrendsPeer
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Wesbanco Bank Kingwood Inc.

Kingwood, WV · Cert 6747

FDIC

Q3 1996

$109.8MAssets
$57.2MLoans
$89.8MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.36%, down 28 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 63.65% of deposits as of Q3 1996.

Return on Assets (YTD, annualized)

1.36%-28 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.

MetricQ4 1994Q1 1995Q2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996YoY ΔTrend
Earnings
Return on Assets1.41%1.43%1.74%1.63%1.53%1.46%1.44%1.36%-28 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)n/a2.18%4.86%3.46%1.51%1.55%-1.14%3.75%+28 bps
Loan Growth (YoY)n/a4.16%5.68%5.89%1.01%2.50%1.65%-1.11%-700 bps
Deposit Growth (YoY)n/a1.66%3.74%2.36%3.29%1.07%-0.72%-0.33%-270 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 / Deposits65.95%64.88%64.13%64.15%64.49%65.80%65.66%63.65%-50 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