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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.08% | 1.10% | 0.98% | 0.95% | 0.89% | -20 bps | |
| Return on Equity | 10.53% | 10.40% | 8.91% | 8.36% | 7.76% | -278 bps | |
| Net Interest Margin | 3.15% | 3.15% | 3.08% | 3.04% | 3.05% | -10 bps | |
| Efficiency Ratio | 49.18% | 50.92% | 51.11% | 49.28% | 51.47% | +229 bps | |
| Non-Interest Burden | 1.10% | 1.21% | 1.20% | 1.13% | 1.21% | +10 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.13% | 11.64% | 13.10% | 1.11% | 4.19% | -794 bps | |
| Loan Growth (YoY) | 12.83% | 11.36% | 11.26% | 0.35% | -2.19% | -1,502 bps | |
| Deposit Growth (YoY) | 1.76% | 9.17% | 11.43% | 10.57% | 6.91% | +515 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 1.70% | 2.21% | 2.57% | +257 bps | |
| Net Charge-Offs / Loans | 0.49% | 0.24% | 0.35% | 0.49% | 0.46% | -2 bps | |
| Allowance / Loans | 0.95% | 0.96% | 0.98% | 1.00% | 1.05% | +10 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 0.6x | 0.5x | 0.4x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.64% | 9.84% | 10.59% | 10.69% | 10.90% | +125 bps | |
| Total Risk-Based Capital | 11.79% | 12.20% | 13.21% | 13.50% | 13.96% | +216 bps | |
| Equity / Assets | 10.42% | 10.77% | 11.26% | 11.53% | 11.34% | +92 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 107.94% | 104.12% | 100.43% | 101.36% | 98.75% | -919 bps | |
| Liquid Assets / Assets | 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 |