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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.69% | 0.70% | 0.66% | -2.76% | 0.26% | -43 bps | |
| Return on Equity | 6.37% | 6.44% | 6.06% | -25.08% | 2.39% | -398 bps | |
| Net Interest Margin | 3.00% | 3.05% | 3.01% | 2.99% | 2.98% | -1 bps | |
| Efficiency Ratio | 77.13% | 74.07% | 73.89% | 194.36% | 99.79% | +2,267 bps | |
| Non-Interest Burden | 2.02% | 1.92% | 1.87% | 6.99% | 2.95% | +93 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.53% | 0.91% | 0.70% | -0.52% | -1.28% | -75 bps | |
| Loan Growth (YoY) | -4.07% | 3.22% | 3.62% | -2.71% | -0.13% | +394 bps | |
| Deposit Growth (YoY) | -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% | 1.28% | +128 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.17% | 0.29% | 2.59% | 0.08% | +8 bps | |
| Allowance / Loans | 1.55% | 1.46% | 1.46% | 1.10% | 1.09% | -46 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 0.9x | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.01% | 10.97% | 11.02% | 10.26% | 10.25% | -76 bps | |
| Total Risk-Based Capital | 19.69% | 19.06% | 19.19% | 18.72% | 18.46% | -123 bps | |
| Equity / Assets | 10.88% | 10.96% | 10.91% | 11.09% | 10.90% | +2 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 65.38% | 69.20% | 68.50% | 65.59% | 65.41% | +3 bps | |
| Liquid Assets / Assets | 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 |