Nitro, WV · Charter 16992
Q2 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.05% | 4.49% | 0.46% | 0.61% | 0.51% | 0.47% | 0.38% | -0.06% | -66 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 4.37% | 4.03% | 3.33% | -0.52% | n/a | |
| Net Interest Margin | n/a | n/a | 2.46% | 2.70% | 2.72% | 2.38% | 2.28% | 1.88% | -82 bps | |
| Efficiency Ratio | n/a | n/a | 71.81% | 69.38% | 72.52% | 80.72% | 79.32% | 103.01% | +3,363 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.50% | 14.49% | 21.05% | 11.09% | 3.96% | -2.55% | -2.09% | 4.05% | -704 bps | |
| Loan Growth (YoY) | 2.49% | -3.11% | 3.01% | 4.37% | 7.51% | 5.64% | -14.91% | -33.57% | -3,794 bps | |
| Share Growth (YoY) | 2.61% | 20.15% | 22.57% | 12.17% | 0.90% | -3.13% | -3.29% | 3.49% | -868 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.80% | 0.59% | 1.06% | 0.71% | 2.17% | 5.68% | 2.22% | +116 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 | 0.83% | 1.21% | 1.46% | 1.48% | 1.69% | 0.62% | 1.22% | 0.32% | -116 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 11.79% | 11.73% | 11.46% | 10.96% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 11.79% | 11.73% | 11.46% | 10.96% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.56% | 56.66% | 57.31% | 59.84% | 67.72% | 61.79% | 50.43% | 38.41% | -2,143 bps | |
| Liquid Assets / Assets | 25.54% | 21.51% | 21.19% | 20.52% | 21.42% | 26.53% | 37.86% | 35.51% | +1,499 bps | |