Parkersburg, WV · Cert 6784
FDIC · 58 branches
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 2017, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Parkersburg, WV · Cert 6784
FDIC · 58 branches
Q3 2017
Market Position · Charleston, WV · 2017 SOD (annual) · 19.8% share · #2 of 16 inst. · $1.1B of $5.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 0.99% | 0.94% | 1.00% | 1.03% | 0.98% | 0.97% | 0.94% | -6 bps | |
| Return on Equity | 9.71% | 8.88% | 8.73% | 9.33% | 9.61% | 8.91% | 8.68% | 8.38% | -96 bps | |
| Net Interest Margin | 3.12% | 3.15% | 3.17% | 2.99% | 3.01% | 3.08% | 3.05% | 3.06% | +7 bps | |
| Efficiency Ratio | 53.64% | 54.58% | 54.36% | 52.53% | 52.12% | 51.11% | 50.20% | 50.62% | -191 bps | |
| Non-Interest Burden | 1.24% | 1.33% | 1.33% | 1.18% | 1.18% | 1.20% | 1.16% | 1.18% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.44% | 2.34% | 13.52% | 12.13% | 11.64% | 13.10% | 1.11% | 4.19% | -794 bps | |
| Loan Growth (YoY) | 2.09% | 4.43% | 13.45% | 12.83% | 11.36% | 11.26% | 0.35% | -2.19% | -1,502 bps | |
| Deposit Growth (YoY) | 1.42% | 1.57% | 2.52% | 1.76% | 9.17% | 11.43% | 10.57% | 6.91% | +515 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.70% | 2.21% | 2.57% | +257 bps | |
| Net Charge-Offs / Loans | 0.39% | 0.40% | 0.28% | 0.35% | 0.32% | 0.35% | 0.42% | 0.44% | +9 bps | |
| Allowance / Loans | 0.97% | 0.96% | 0.96% | 0.95% | 0.96% | 0.98% | 1.00% | 1.05% | +10 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 0.6x | 0.5x | 0.4x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.22% | 10.13% | 10.22% | 9.64% | 9.84% | 10.59% | 10.69% | 10.90% | +125 bps | |
| Total Risk-Based Capital | 12.55% | 12.57% | 11.65% | 11.79% | 12.20% | 13.21% | 13.50% | 13.96% | +216 bps | |
| Equity / Assets | 11.25% | 11.10% | 10.15% | 10.42% | 10.77% | 11.26% | 11.53% | 11.34% | +92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.07% | 100.59% | 111.68% | 107.94% | 104.12% | 100.43% | 101.36% | 98.75% | -919 bps | |
| Liquid Assets / Assets | 3.41% | 4.51% | 5.57% | 4.23% | 3.99% | 6.88% | 6.67% | 9.99% | +576 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |