Saint Marys, WV · Cert 6798
FDIC
Q2 2007
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Saint Marys, WV · Cert 6798
FDIC
Q2 2007
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | 0.31% | 0.55% | 0.74% | 0.63% | 0.84% | 0.33% | 0.64% | -11 bps | |
| Return on Equity | 1.26% | 3.14% | 5.44% | 7.28% | 6.10% | 8.09% | 3.09% | 6.05% | -123 bps | |
| Net Interest Margin | 4.95% | 5.55% | 5.16% | 5.06% | 5.45% | 4.97% | 5.10% | 4.91% | -15 bps | |
| Efficiency Ratio | 81.18% | 80.54% | 82.20% | 77.86% | 81.33% | 79.90% | 90.32% | 81.69% | +383 bps | |
| Non-Interest Burden | 3.91% | 4.36% | 4.16% | 3.79% | 4.30% | 3.80% | 4.54% | 3.87% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.90% | -7.46% | -2.23% | -2.37% | -0.70% | 3.41% | 0.29% | 5.98% | +836 bps | |
| Loan Growth (YoY) | -1.64% | -7.48% | -7.93% | -3.79% | 0.99% | 6.53% | 8.71% | 10.27% | +1,406 bps | |
| Deposit Growth (YoY) | -11.34% | -6.93% | -2.48% | -2.56% | -1.13% | 3.48% | -0.38% | 6.08% | +864 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 2.22% | 1.93% | 2.35% | 1.12% | 0.71% | 0.67% | -0.16% | -0.08% | -120 bps | |
| Allowance / Loans | 2.23% | 2.20% | 1.66% | 1.59% | 1.53% | 1.40% | 1.44% | 1.36% | -23 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 16.93% | 11.28% | 17.92% | 18.11% | 17.70% | 18.26% | 18.01% | 15.81% | -229 bps | |
| Equity / Assets | 10.04% | 10.59% | 9.63% | 10.50% | 10.57% | 10.82% | 10.26% | 10.54% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.50% | 81.11% | 71.63% | 81.28% | 84.27% | 83.51% | 78.17% | 84.49% | +321 bps | |
| Liquid Assets / Assets | 0.65% | 0.67% | 0.61% | 0.57% | 0.96% | 0.56% | 8.90% | 1.61% | +104 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |