Charleston, WV · Charter 12252
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Charleston, WV · Charter 12252
Q3 2014
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -17.76% | -13.26% | -18.90% | -14.87% | -4.41% | -49.57% | -30.38% | -21.96% | -709 bps | |
| Return on Equity | -77.10% | -60.60% | -95.96% | -79.40% | -18.19% | -327% | -224% | -512% | -43,297 bps | |
| Net Interest Margin | 2.83% | 2.97% | 3.44% | 3.29% | 2.96% | 2.43% | 2.37% | 1.64% | -165 bps | |
| Efficiency Ratio | n/a | 481% | 304% | 277% | 97.36% | 262% | 333% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.93% | -21.02% | -20.98% | -24.43% | -19.64% | -22.63% | -14.26% | 21.76% | +4,620 bps | |
| Loan Growth (YoY) | -11.69% | -14.64% | -20.97% | -24.61% | -26.65% | -30.37% | -28.48% | -29.51% | -491 bps | |
| Share Growth (YoY) | 1.09% | -7.79% | -15.93% | -20.00% | -21.57% | -15.82% | -7.68% | 40.03% | +6,003 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 32.79% | 27.11% | 18.76% | 17.16% | 17.30% | 14.40% | 26.55% | 17.93% | +77 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 | 10.02% | 12.69% | 25.82% | 27.62% | 31.06% | 61.15% | 63.76% | 70.93% | +4,331 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.03% | 21.87% | 19.69% | 18.72% | 24.25% | 15.15% | 13.57% | 4.29% | -1,444 bps | |
| Net Worth / Assets | 23.03% | 21.87% | 19.69% | 18.72% | 24.25% | 15.15% | 13.57% | 4.29% | -1,444 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.01% | 47.02% | 48.57% | 45.43% | 42.09% | 38.89% | 37.63% | 22.87% | -2,256 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |