Spencer, WV · Cert 848
FDIC
Q1 2011
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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | 0.51% | -3.33% | 0.75% | 1.28% | 1.05% | 1.02% | 0.36% | -38 bps | |
| Return on Equity | 2.71% | 2.81% | -18.96% | 4.84% | 8.16% | 6.64% | 6.48% | 2.33% | -251 bps | |
| Net Interest Margin | 3.29% | 3.41% | 3.50% | 3.76% | 3.75% | 3.79% | 3.76% | 3.77% | +1 bps | |
| Efficiency Ratio | 75.61% | 75.71% | 80.55% | 65.35% | 67.30% | 66.34% | 64.10% | 77.73% | +1,238 bps | |
| Non-Interest Burden | 2.56% | 2.63% | 6.49% | 2.45% | 2.49% | 2.47% | 2.35% | 3.08% | +63 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 46.90% | 48.02% | -7.04% | -6.77% | -6.81% | -5.09% | -0.11% | -0.40% | +637 bps | |
| Loan Growth (YoY) | 90.78% | 101.90% | -5.54% | -7.09% | 0.12% | -1.82% | 1.44% | 3.35% | +1,044 bps | |
| Deposit Growth (YoY) | 42.52% | 44.73% | -3.48% | -3.22% | -3.63% | -2.06% | -0.21% | -0.63% | +259 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 | 0.06% | 0.09% | 0.89% | -0.03% | 0.20% | 0.28% | 0.30% | -0.01% | +2 bps | |
| Allowance / Loans | 2.34% | 2.23% | 2.10% | 2.25% | 2.17% | 2.23% | 2.28% | 2.38% | +14 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 | 17.18% | 17.02% | 16.63% | 17.75% | 17.36% | 18.39% | 18.36% | 18.67% | +92 bps | |
| Equity / Assets | 18.12% | 18.63% | 15.44% | 15.49% | 16.13% | 16.24% | 15.58% | 15.64% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.27% | 76.60% | 72.71% | 69.84% | 76.12% | 76.79% | 73.92% | 72.64% | +280 bps | |
| Liquid Assets / Assets | 0.19% | 0.28% | 0.05% | 0.11% | 0.17% | 1.53% | 1.65% | 1.59% | +147 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |