Wheeling, WV · Charter 17168
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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.
Wheeling, WV · Charter 17168
Q2 2014
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 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.48% | -0.50% | -1.32% | -1.24% | -1.02% | -1.11% | -1.39% | -0.97% | +27 bps | |
| Return on Equity | -1.93% | -2.06% | -6.37% | -5.88% | -4.94% | -5.35% | -6.85% | -4.90% | +98 bps | |
| Net Interest Margin | 4.11% | 4.05% | 3.27% | 3.31% | 3.24% | 3.23% | 2.81% | 2.78% | -53 bps | |
| Efficiency Ratio | 111.26% | 112.23% | 139.89% | 137.46% | 131.21% | 133.51% | 139.11% | 129.05% | -840 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.15% | -0.02% | 14.35% | 10.41% | 12.87% | 11.36% | -3.68% | 1.30% | -911 bps | |
| Loan Growth (YoY) | 3.70% | 0.74% | 7.53% | -1.92% | -1.59% | -0.17% | -10.71% | -6.51% | -459 bps | |
| Share Growth (YoY) | 0.41% | 1.45% | 21.07% | 15.77% | 20.12% | 17.00% | -3.31% | 3.32% | -1,246 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.03% | 5.25% | 3.43% | 3.84% | 5.45% | 4.11% | 4.06% | 3.59% | -26 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 | 0.22% | 0.74% | 0.73% | 0.31% | 0.67% | 0.81% | 1.03% | 1.24% | +93 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.09% | 24.46% | 20.69% | 21.11% | 20.76% | 20.70% | 20.21% | 19.73% | -138 bps | |
| Net Worth / Assets | 25.09% | 24.46% | 20.69% | 21.11% | 20.76% | 20.70% | 20.21% | 19.73% | -138 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.79% | 83.96% | 69.27% | 71.63% | 72.74% | 71.64% | 63.97% | 64.81% | -681 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |