PackageTrendsPeer
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First NB in Fairmont

Fairmont, WV · Cert 6761

FDIC

Q4 1999

$583.9MAssets
$453.1MLoans
$442.7MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.99%, down 18 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 102.34% of deposits as of Q4 1999.

Return on Assets (YTD, annualized)

0.99%-18 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 Assets1.16%1.12%1.14%1.17%1.06%1.04%1.01%0.99%-18 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)3.47%5.32%3.33%4.45%2.38%11.92%13.72%12.81%+836 bps
Loan Growth (YoY)-4.14%1.38%6.87%10.56%13.83%21.50%18.59%16.96%+640 bps
Deposit Growth (YoY)1.61%3.72%5.13%4.40%2.56%11.30%9.40%6.34%+194 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 / Deposits84.72%87.89%90.52%93.05%94.03%95.94%98.13%102.34%+929 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