Bridgeport, WV · Charter 12976
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 30, 2005, 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.
Bridgeport, WV · Charter 12976
Q2 2005
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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | 0.23% | -2.51% | -0.75% | -3.59% | -3.63% | 1.06% | -10.27% | -952 bps | |
| Return on Equity | 5.28% | 2.49% | -29.55% | -8.63% | -59.04% | -60.28% | 16.84% | -783% | -77,415 bps | |
| Net Interest Margin | 5.63% | 5.79% | 6.23% | 7.31% | 6.98% | 6.13% | 5.23% | 5.55% | -176 bps | |
| Efficiency Ratio | 88.84% | 92.74% | 100.52% | 92.90% | 108.84% | 120.67% | 80.28% | 133.55% | +4,064 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.62% | 5.85% | 4.63% | 3.64% | 6.01% | -3.62% | -5.36% | -11.83% | -1,547 bps | |
| Loan Growth (YoY) | 27.90% | 29.10% | 23.33% | 25.72% | 18.92% | 4.85% | 11.33% | -3.80% | -2,952 bps | |
| Share Growth (YoY) | 3.11% | 6.19% | 5.64% | 4.81% | 10.04% | -1.60% | -3.24% | -14.73% | -1,955 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.06% | 0.54% | 0.41% | 0.80% | 0.00% | 0.00% | 0.69% | 9.86% | +906 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 | 0.71% | 0.23% | 0.62% | 0.37% | 0.00% | 1.17% | 1.12% | 5.17% | +480 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.44% | 9.31% | 8.49% | 8.73% | 6.08% | 6.03% | 6.27% | 1.31% | -742 bps | |
| Net Worth / Assets | 9.44% | 9.31% | 8.49% | 8.73% | 6.08% | 6.03% | 6.27% | 1.31% | -742 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.85% | 83.62% | 86.15% | 95.93% | 84.13% | 89.09% | 99.13% | 108.23% | +1,230 bps | |
| Liquid Assets / Assets | 25.00% | 19.15% | 8.73% | 5.43% | 16.50% | 14.35% | 4.12% | 4.11% | -132 bps | |