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First National Bank of St Marys, The

Saint Marys, WV · Cert 6798

FDIC

Q2 2007

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2007, the quarter ended June 30, 2007, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First National Bank of St Marys, The

Saint Marys, WV · Cert 6798

FDIC

Q2 2007

$36.0MAssets
$27.1MLoans
$32.1MDeposits
$3.8MEquity
Deposit mix
79%Interest-bearing $25.4M21%Noninterest $6.7MQ2 2006Q2 2007

NIM

5.75%Q2 ’056.44%Q2 ’066.95%Q2 ’07+4%-3%

Non-interest income vs. expense

4.44%Q2 ’054.48%Q2 ’064.66%Q2 ’07-2%+2%

Executive Summary

  • Earnings: ROA of 0.64%, down 11 bps year over year; NIM at 4.91%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.08%.
  • Funding: loans stand at 84.49% of deposits as of Q2 2007.

Financial Results

Return on Assets (YTD, annualized)

0.64%-11 bps YoY

Net Interest Margin (YTD, annualized)

4.91%-15 bps YoY

Efficiency Ratio (YTD, annualized)

81.69%+383 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets0.74%0.63%0.84%0.33%0.64%-11 bps
Return on Equity7.28%6.10%8.09%3.09%6.05%-123 bps
Net Interest Margin5.06%5.45%4.97%5.10%4.91%-15 bps
Efficiency Ratio77.86%81.33%79.90%90.32%81.69%+383 bps
Non-Interest Burden3.79%4.30%3.80%4.54%3.87%+8 bps
Growth
Asset Growth (YoY)-2.37%-0.70%3.41%0.29%5.98%+836 bps
Loan Growth (YoY)-3.79%0.99%6.53%8.71%10.27%+1,406 bps
Deposit Growth (YoY)-2.56%-1.13%3.48%-0.38%6.08%+864 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.12%0.71%0.67%-0.16%-0.08%-120 bps
Allowance / Loans1.59%1.53%1.40%1.44%1.36%-23 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital18.11%17.70%18.26%18.01%15.81%-229 bps
Equity / Assets10.50%10.57%10.82%10.26%10.54%+4 bps
Liquidity & Funding
Loans / Deposits81.28%84.27%83.51%78.17%84.49%+321 bps
Liquid Assets / Assets0.57%0.96%0.56%8.90%1.61%+104 bps
CRE / Total Capitaln/an/an/an/an/an/an/a