Bluefield, WV · Charter 18732
Q3 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2008, the quarter ended September 30, 2008, 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.
Bluefield, WV · Charter 18732
Q3 2008
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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.62% | 0.64% | 0.43% | 0.92% | -267% | -26,901 bps | |
| Return on Equity | 11.04% | 4.64% | 3.14% | 6.68% | n/a | n/a | |
| Net Interest Margin | 6.49% | 6.30% | 6.73% | 5.79% | 8.45% | +196 bps | |
| Efficiency Ratio | 50.09% | 50.74% | 52.06% | 61.25% | 1867% | +181,654 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.97% | 12.99% | 6.18% | 10.00% | -57.17% | -6,714 bps | |
| Loan Growth (YoY) | 13.08% | 7.15% | -1.08% | 0.88% | -1.74% | -1,482 bps | |
| Share Growth (YoY) | 9.05% | 13.13% | 6.41% | 11.19% | 11.53% | +248 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.01% | 0.38% | 0.00% | 1.02% | 7.26% | +325 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.12% | 0.00% | 0.88% | 1.25% | 38.73% | +3,661 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.66% | 13.75% | 13.74% | 13.77% | -167.44% | -18,211 bps | |
| Net Worth / Assets | 14.66% | 13.75% | 13.74% | 13.77% | -167.44% | -18,211 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 103.19% | 97.49% | 95.64% | 93.92% | 90.91% | -1,228 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |