Huntington, WV · Cert 6768
FDIC
Q2 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.03% | -0.29% | 0.01% | 0.12% | 0.16% | 0.06% | -0.09% | -0.46% | -59 bps | |
| Return on Equity | -0.38% | -4.35% | 0.17% | 1.90% | 2.46% | 1.01% | -1.51% | -7.41% | -931 bps | |
| Net Interest Margin | 2.60% | 2.11% | 1.82% | 1.83% | 1.72% | 1.35% | 0.71% | 0.01% | -182 bps | |
| Efficiency Ratio | 80.43% | 85.20% | 78.73% | 80.78% | 71.73% | 74.16% | 110.66% | 174.04% | +9,326 bps | |
| Non-Interest Burden | 1.98% | 1.57% | 1.23% | 1.28% | 0.97% | 0.73% | 0.89% | 0.77% | -51 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.73% | -3.46% | -2.08% | 0.37% | 3.14% | 5.72% | 5.91% | 3.35% | +298 bps | |
| Loan Growth (YoY) | -24.33% | -26.88% | -29.15% | -27.49% | -27.14% | -32.64% | 72.50% | 33.02% | +6,052 bps | |
| Deposit Growth (YoY) | 0.03% | -1.32% | 0.65% | 2.84% | 5.34% | 6.32% | 1.65% | 0.22% | -262 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.26% | 2.22% | 1.85% | 1.03% | 1.19% | 1.89% | 0.35% | -0.04% | -107 bps | |
| Allowance / Loans | 1.49% | 1.65% | 1.73% | 1.84% | 2.10% | 2.46% | 0.96% | 0.75% | -109 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 14.74% | 15.56% | 13.12% | 13.17% | 13.69% | 14.47% | 15.09% | 25.61% | +1,244 bps | |
| Equity / Assets | 6.64% | 6.48% | 6.56% | 6.49% | 6.43% | 6.21% | 6.26% | 6.19% | -30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.92% | 53.00% | 47.86% | 44.41% | 40.07% | 33.58% | 81.21% | 58.95% | +1,454 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |