Beech Bottom, WV · Charter 15495
Q4 2012
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 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.84% | -2.21% | -2.31% | -2.94% | -4.37% | -254 bps | |
| Return on Equity | -6.14% | -7.49% | -8.06% | -9.30% | -13.06% | -692 bps | |
| Net Interest Margin | 3.58% | 2.84% | 2.65% | 2.76% | 2.95% | -64 bps | |
| Efficiency Ratio | 150.45% | 176.77% | 186.06% | 205% | 218% | +6,789 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.30% | -4.52% | -4.33% | -12.41% | -21.02% | -1,472 bps | |
| Loan Growth (YoY) | -13.42% | -22.21% | -21.02% | -25.04% | -33.13% | -1,971 bps | |
| Share Growth (YoY) | -4.79% | -3.51% | -2.85% | -14.34% | -25.05% | -2,027 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.10% | 0.69% | 2.95% | 4.70% | 16.71% | +860 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 9.61% | 2.85% | 3.38% | 3.60% | 5.65% | -396 bps | |
| Capital | |||||||
| Risk-Based Capital | 29.88% | 29.54% | 28.67% | 31.62% | 33.47% | +358 bps | |
| Net Worth / Assets | 29.88% | 29.54% | 28.67% | 31.62% | 33.47% | +358 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 44.74% | 40.31% | 39.34% | 40.67% | 39.92% | -482 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |