PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank of McMechen

McMechen, WV · Cert 9031

FDIC

Q1 1998

$30.3MAssets
$21.5MLoans
$26.7MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.03%, up 12 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 80.43% of deposits as of Q1 1998.

Return on Assets (YTD, annualized)

1.03%+12 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.

MetricQ2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998YoY ΔTrend
Earnings
Return on Assets1.01%1.10%0.98%0.91%0.96%0.94%0.80%1.03%+12 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)1.10%1.35%-3.05%-5.04%-2.63%-3.15%-0.26%-2.53%+251 bps
Loan Growth (YoY)8.84%13.64%16.70%17.82%16.81%12.08%7.18%4.18%-1,364 bps
Deposit Growth (YoY)1.45%0.35%-4.41%-6.43%-3.50%-3.91%-0.77%-3.35%+308 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 / Deposits64.24%68.07%74.52%74.61%77.76%79.40%80.48%80.43%+581 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