PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First NB in Marlinton

Marlinton, WV · Cert 6774

FDIC

Q1 1999

$83.4MAssets
$60.4MLoans
$61.6MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.08%, down 120 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 98.02% of deposits as of Q1 1999.

Return on Assets (YTD, annualized)

0.08%-120 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 Assets1.51%1.45%1.44%1.28%1.42%1.42%1.41%0.08%-120 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)9.12%11.26%16.62%18.94%14.37%17.20%7.39%11.97%-696 bps
Loan Growth (YoY)14.41%15.46%13.73%12.85%12.08%10.05%9.78%7.83%-502 bps
Deposit Growth (YoY)-0.13%12.85%14.78%16.34%13.36%5.20%4.90%4.66%-1,168 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 / Deposits100.71%95.37%94.41%95.14%99.58%99.77%98.80%98.02%+288 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