Bridgeport,, WV · Charter 14417
Q4 2000
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 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.39% | 3.22% | 2.96% | 4.44% | 1.01% | -0.16% | 0.70% | 1.01% | -343 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 4.14% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 5.43% | 5.24% | 6.25% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 98.12% | 84.37% | 83.19% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.82% | -8.00% | -6.65% | -40.54% | -42.16% | -44.92% | -47.03% | -21.94% | +1,860 bps | |
| Loan Growth (YoY) | -27.20% | -44.56% | -48.50% | -63.10% | -60.43% | -56.36% | -54.51% | -21.07% | +4,203 bps | |
| Share Growth (YoY) | -10.03% | -7.71% | -5.93% | -46.57% | -47.54% | -51.01% | -53.01% | -27.70% | +1,887 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.42% | 1.87% | 7.01% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 2.64% | 2.79% | 3.36% | 5.80% | 2.42% | 2.68% | 3.59% | 3.12% | -268 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | 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 | n/a | n/a | n/a | 24.48% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.56% | 53.85% | 42.55% | 55.36% | 44.92% | 47.97% | 41.19% | 60.43% | +507 bps | |
| Liquid Assets / Assets | 42.79% | 51.25% | 58.96% | 50.28% | 59.15% | 0.00% | 0.00% | 53.24% | +296 bps | |