Petersburg, WV · Cert 844
FDIC
Q3 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.46% | 1.42% | 1.49% | 1.45% | 1.67% | 1.47% | 1.44% | 1.42% | -3 bps | |
| Return on Equity | 19.57% | 19.24% | 20.06% | 19.41% | 23.06% | 20.24% | 20.32% | 20.16% | +75 bps | |
| Net Interest Margin | 3.77% | 3.61% | 3.55% | 3.61% | 3.62% | 3.54% | 3.53% | 3.51% | -10 bps | |
| Efficiency Ratio | 41.10% | 44.32% | 43.74% | 43.51% | 44.27% | 44.45% | 44.97% | 44.14% | +63 bps | |
| Non-Interest Burden | 1.39% | 1.47% | 1.38% | 1.36% | 1.23% | 1.41% | 1.38% | 1.34% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 154.46% | 9.83% | 7.29% | 6.27% | 12.74% | 8.48% | 11.72% | 10.36% | +409 bps | |
| Loan Growth (YoY) | 265% | 12.65% | 12.90% | 11.54% | 13.91% | 15.65% | 13.11% | 12.38% | +84 bps | |
| Deposit Growth (YoY) | 152.27% | 3.52% | -1.25% | -3.08% | 9.87% | 7.48% | 10.00% | 6.67% | +975 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 | 0.21% | 0.08% | 0.00% | 0.02% | 0.03% | 0.22% | 0.01% | 0.05% | +3 bps | |
| Allowance / Loans | 0.97% | 0.95% | 0.96% | 0.94% | 0.93% | 0.86% | 0.88% | 0.86% | -8 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 | 11.11% | 11.23% | 11.10% | 11.25% | 10.95% | 11.13% | 10.81% | 11.06% | -18 bps | |
| Equity / Assets | 7.43% | 7.32% | 7.52% | 7.41% | 7.05% | 7.44% | 6.74% | 7.36% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 117.08% | 115.78% | 121.12% | 126.43% | 121.39% | 124.59% | 124.55% | 133.20% | +677 bps | |
| Liquid Assets / Assets | 0.21% | 0.35% | 0.37% | 0.34% | 0.27% | 0.28% | 0.28% | 0.27% | -7 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |