PackageTrendsPeer
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National Bk Summers Hinton

Hinton, WV · Cert 6767

FDIC

Q1 1999

$78.6MAssets
$55.7MLoans
$65.8MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.67%, up 10 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 84.71% of deposits as of Q1 1999.

Return on Assets (YTD, annualized)

1.67%+10 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.

MetricQ2 1997Q3 1997Q4 1997Q1 1998Q2 1998Q3 1998Q4 1998Q1 1999YoY ΔTrend
Earnings
Return on Assets1.30%1.40%1.40%1.58%1.60%1.60%1.41%1.67%+10 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)3.29%3.17%4.36%1.11%1.56%2.30%1.30%3.38%+227 bps
Loan Growth (YoY)17.47%19.88%21.24%12.92%12.56%9.04%3.20%6.01%-692 bps
Deposit Growth (YoY)-0.07%-0.99%3.47%2.13%5.36%6.27%3.53%3.71%+158 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 / Deposits77.86%81.59%83.26%82.88%83.18%83.71%83.00%84.71%+184 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