PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

One Valley Bank NA

Charleston, WV · Cert 840

FDIC

Q3 2000

$2.3BAssets
$1.5BLoans
$1.4BDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of -0.19%, down 153 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 110.59% of deposits as of Q3 2000.

Return on Assets (YTD, annualized)

-0.19%-153 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ4 1998Q1 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000YoY ΔTrend
Earnings
Return on Assets1.36%1.36%1.36%1.34%1.30%1.16%0.39%-0.19%-153 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)13.87%5.67%6.09%9.28%17.00%11.69%1.34%-0.22%-950 bps
Loan Growth (YoY)18.17%16.65%8.38%8.64%7.22%1.54%4.08%2.81%-583 bps
Deposit Growth (YoY)5.21%4.28%1.38%0.08%-3.10%0.02%-1.88%-0.28%-36 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits97.45%103.04%102.46%107.27%107.82%104.61%108.68%110.59%+332 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a