Bluefield, WV · Cert 6750
FDIC · 12 branches
Q1 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2017, the quarter ended March 31, 2017, 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.
Bluefield, WV · Cert 6750
FDIC · 12 branches
Q1 2017
Market Position · Beckley, WV · 2016 SOD (annual) · 0.4% share · #11 of 13 inst. · $0.0B of $1.6B
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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.68% | 0.60% | 0.69% | 0.70% | 0.69% | -0.17% | 0.26% | -43 bps | |
| Return on Equity | 4.92% | 6.26% | 5.56% | 6.37% | 6.41% | 6.30% | -1.58% | 2.39% | -398 bps | |
| Net Interest Margin | 3.03% | 3.18% | 3.16% | 3.00% | 3.01% | 3.01% | 3.02% | 2.98% | -1 bps | |
| Efficiency Ratio | 85.36% | 78.52% | 77.99% | 77.13% | 75.57% | 75.00% | 104.99% | 99.79% | +2,267 bps | |
| Non-Interest Burden | 2.39% | 2.20% | 2.20% | 2.02% | 1.96% | 1.93% | 3.20% | 2.95% | +93 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.01% | 0.24% | 1.25% | -0.53% | 0.91% | 0.70% | -0.52% | -1.28% | -75 bps | |
| Loan Growth (YoY) | -1.13% | -0.10% | -2.31% | -4.07% | 3.22% | 3.62% | -2.71% | -0.13% | +394 bps | |
| Deposit Growth (YoY) | -0.92% | 0.80% | 1.82% | -0.85% | 0.00% | 0.17% | -0.98% | -0.17% | +68 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.28% | +128 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.07% | 0.00% | 0.08% | 0.15% | 0.77% | 0.08% | +8 bps | |
| Allowance / Loans | 1.30% | 1.40% | 1.52% | 1.55% | 1.46% | 1.46% | 1.10% | 1.09% | -46 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 0.9x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.72% | 10.86% | 10.94% | 11.01% | 10.97% | 11.02% | 10.26% | 10.25% | -76 bps | |
| Total Risk-Based Capital | 19.68% | 20.17% | 19.31% | 19.69% | 19.06% | 19.19% | 18.72% | 18.46% | -123 bps | |
| Equity / Assets | 10.79% | 10.91% | 10.83% | 10.88% | 10.96% | 10.91% | 11.09% | 10.90% | +2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.04% | 66.22% | 66.76% | 65.38% | 69.20% | 68.50% | 65.59% | 65.41% | +3 bps | |
| Liquid Assets / Assets | 15.40% | 15.43% | 15.70% | 16.97% | 15.69% | 17.70% | 18.57% | 19.23% | +226 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |