Ronceverte, WV · Cert 6795
FDIC · 6 branches
Q4 2015
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.70% | 0.78% | 0.90% | 0.83% | 0.80% | +10 bps | |
| Return on Equity | 6.36% | 6.98% | 7.95% | 7.25% | 7.10% | +74 bps | |
| Net Interest Margin | 2.86% | 2.87% | 2.69% | 2.86% | 2.95% | +9 bps | |
| Efficiency Ratio | 77.47% | 72.66% | 70.78% | 71.82% | 74.77% | -270 bps | |
| Non-Interest Burden | 2.05% | 1.88% | 1.69% | 1.84% | 2.01% | -5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.63% | 10.42% | -0.02% | -3.46% | -4.51% | -914 bps | |
| Loan Growth (YoY) | 3.32% | 4.64% | 5.96% | 7.60% | 4.89% | +157 bps | |
| Deposit Growth (YoY) | 4.31% | 10.66% | -0.53% | -4.32% | -5.28% | -959 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.05% | -0.05% | -0.14% | -0.09% | -0.14% | -19 bps | |
| Allowance / Loans | 1.54% | 1.55% | 1.44% | 1.44% | 1.38% | -17 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | 11.32% | 10.62% | 11.40% | 9.98% | n/a | |
| Total Risk-Based Capital | 18.29% | 18.76% | 18.59% | 18.56% | 16.07% | -222 bps | |
| Equity / Assets | 11.27% | 11.06% | 11.59% | 12.00% | 10.45% | -82 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 60.42% | 58.56% | 63.75% | 65.04% | 66.91% | +649 bps | |
| Liquid Assets / Assets | 6.76% | 11.01% | 5.62% | 4.23% | 4.19% | -257 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |