Vienna, WV · Charter 10540
Q4 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.72% | 0.61% | 0.04% | 0.03% | -17.97% | -13.70% | -12.46% | -1,250 bps | |
| Return on Equity | 2.09% | 3.25% | 2.73% | 0.18% | 0.15% | -115.95% | -88.48% | -74.30% | -7,449 bps | |
| Net Interest Margin | 3.91% | 3.99% | 3.91% | 3.90% | 3.28% | 1.72% | 1.71% | 1.89% | -201 bps | |
| Efficiency Ratio | 85.43% | 77.44% | 77.72% | 87.99% | 89.14% | n/a | n/a | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.05% | -3.82% | -4.38% | -5.27% | -4.27% | -9.84% | -14.34% | -23.41% | -1,814 bps | |
| Loan Growth (YoY) | -3.20% | -7.11% | -11.69% | -16.64% | -16.40% | -24.95% | -23.89% | -24.08% | -744 bps | |
| Share Growth (YoY) | -5.30% | -5.10% | -5.81% | -6.74% | -5.32% | -2.15% | -6.92% | -17.93% | -1,119 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.87% | 5.39% | 4.32% | 6.92% | 5.78% | 0.00% | 0.00% | 0.00% | -692 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.40% | 0.91% | 1.13% | 0.33% | 0.72% | 0.65% | 0.67% | 0.71% | +38 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.71% | 22.25% | 22.30% | 22.39% | 22.61% | 15.50% | 15.49% | 16.77% | -562 bps | |
| Net Worth / Assets | 21.71% | 22.25% | 22.30% | 22.39% | 22.61% | 15.50% | 15.49% | 16.77% | -562 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.36% | 86.68% | 82.65% | 79.61% | 78.03% | 66.48% | 67.58% | 73.64% | -597 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |