Martinsburg, WV · Charter 20118
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -6.89% | -8.57% | -2.90% | -0.77% | -1.05% | -2.17% | -2.22% | -0.75% | +2 bps | |
| Return on Equity | -48.23% | -70.42% | -26.66% | -6.62% | -8.68% | -19.35% | -19.69% | -6.79% | -17 bps | |
| Net Interest Margin | 5.02% | 5.05% | 4.66% | 4.36% | 4.31% | 4.43% | 3.78% | 4.11% | -25 bps | |
| Efficiency Ratio | 96.37% | 101.05% | 90.36% | 88.03% | 100.16% | 112.14% | 132.96% | 106.65% | +1,863 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -22.90% | -23.44% | -15.36% | -13.26% | -12.39% | -9.15% | -16.85% | -13.69% | -43 bps | |
| Loan Growth (YoY) | -33.41% | -28.52% | -25.89% | -16.09% | -6.31% | -1.69% | -8.85% | -5.66% | +1,043 bps | |
| Share Growth (YoY) | -21.41% | -19.05% | -8.01% | -7.68% | -10.16% | -8.15% | -17.13% | -13.17% | -549 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 15.52% | 19.43% | 7.01% | 6.75% | 6.34% | 6.60% | 7.23% | 8.95% | +220 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 | 6.11% | 10.91% | 6.08% | 6.35% | 5.97% | 7.45% | 8.61% | 8.33% | +198 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.30% | 12.17% | 10.89% | 11.60% | 12.14% | 11.22% | 11.29% | 11.07% | -53 bps | |
| Net Worth / Assets | 14.30% | 12.17% | 10.89% | 11.60% | 12.14% | 11.22% | 11.29% | 11.07% | -53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.96% | 64.84% | 60.31% | 62.14% | 69.83% | 69.39% | 66.34% | 67.52% | +538 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |