PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Merchants NB of Montgomery

Montgomery, WV · Cert 6778

FDIC

Q3 1997

$138.2MAssets
$103.3MLoans
$87.5MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.40%, up 4 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 118.08% of deposits as of Q3 1997.

Return on Assets (YTD, annualized)

1.40%+4 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.

MetricQ4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997YoY ΔTrend
Earnings
Return on Assets0.79%1.72%1.50%1.36%1.28%1.50%1.65%1.40%+4 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)4.14%11.45%16.40%1.94%-4.51%5.80%-7.19%22.98%+2,103 bps
Loan Growth (YoY)27.75%55.33%6.98%26.84%3.93%16.30%8.95%37.78%+1,094 bps
Deposit Growth (YoY)-10.15%-7.42%-8.74%-11.92%-0.37%-1.39%0.10%1.79%+1,371 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 / Deposits86.88%90.28%70.34%87.23%90.63%106.48%76.55%118.08%+3,085 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