Bridgeport,, WV · Charter 14417
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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 14417
Q4 2000
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.44% | 1.01% | -0.16% | 0.70% | 1.01% | -343 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 4.14% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 5.43% | 5.24% | 6.25% | n/a | |
| Efficiency Ratio | n/a | n/a | 98.12% | 84.37% | 83.19% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -40.54% | -42.16% | -44.92% | -47.03% | -21.94% | +1,860 bps | |
| Loan Growth (YoY) | -63.10% | -60.43% | -56.36% | -54.51% | -21.07% | +4,203 bps | |
| Share Growth (YoY) | -46.57% | -47.54% | -51.01% | -53.01% | -27.70% | +1,887 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 11.89% | 1.95% | 6.98% | 6.65% | 7.68% | -421 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.80% | 2.42% | 2.68% | 3.59% | 3.12% | -268 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 24.48% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 24.48% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.36% | 44.92% | 47.97% | 41.19% | 60.43% | +507 bps | |
| Liquid Assets / Assets | 50.28% | 59.15% | 0.00% | 0.00% | 53.24% | +296 bps | |