Morgantown, WV · Charter 17462
Q3 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 1.12% | 0.34% | 0.36% | 0.18% | -13.79% | -9.07% | -8.61% | -896 bps | |
| Return on Equity | 3.34% | 6.87% | 2.24% | 5.14% | 2.73% | -341% | -93.80% | -91.64% | -9,678 bps | |
| Net Interest Margin | 6.23% | 5.73% | 4.83% | 2.40% | 2.12% | 3.92% | 9.52% | 6.81% | +441 bps | |
| Efficiency Ratio | 92.08% | 81.64% | 93.50% | 85.97% | 92.09% | 64.50% | 46.42% | 70.94% | -1,503 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.04% | -4.34% | 3.16% | 144.16% | 144.91% | 120.27% | 10.23% | -56.66% | -20,082 bps | |
| Loan Growth (YoY) | -34.33% | -29.90% | -35.77% | -24.70% | -2.26% | -12.82% | 15.82% | 9.89% | +3,459 bps | |
| Share Growth (YoY) | -17.09% | -5.05% | 3.19% | 169.96% | 170.25% | 152.62% | 18.23% | -57.80% | -22,776 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 33.88% | 41.34% | 37.28% | 31.98% | 26.31% | 14.71% | 14.10% | 18.99% | -1,299 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 | 3.38% | 3.54% | 1.15% | 1.16% | 0.98% | 5.57% | 8.63% | 11.05% | +989 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.53% | 16.34% | 15.41% | 6.95% | 6.52% | 4.05% | 9.67% | 9.39% | +244 bps | |
| Net Worth / Assets | 15.53% | 16.34% | 15.41% | 6.95% | 6.52% | 4.05% | 9.67% | 9.39% | +244 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.86% | 66.23% | 54.25% | 21.44% | 24.18% | 22.85% | 53.15% | 55.82% | +3,438 bps | |
| Liquid Assets / Assets | 43.14% | 43.81% | 52.46% | 79.11% | 76.69% | 77.68% | 0.00% | 0.00% | -7,911 bps | |