Weirton, WV · Charter 20304
Q4 2000
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 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.50% | 3.62% | 1.95% | -5.12% | 3.72% | 0.10% | -13.97% | -17.32% | -1,220 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 10.48% | 10.42% | 11.39% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 97.34% | 100.34% | 102.71% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.80% | 17.50% | 12.90% | -4.30% | 1.90% | -0.48% | -7.30% | -23.53% | -1,923 bps | |
| Loan Growth (YoY) | 18.57% | 25.02% | 10.55% | 11.48% | 9.84% | -3.75% | -8.49% | -26.35% | -3,783 bps | |
| Share Growth (YoY) | 6.16% | 23.52% | 12.67% | 11.18% | 24.19% | 12.10% | 13.11% | -5.45% | -1,662 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.35% | 11.40% | 8.88% | 15.25% | 13.71% | 19.53% | 25.28% | 12.31% | -295 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 | 2.25% | 2.21% | 2.21% | 8.38% | 8.51% | 8.31% | 16.28% | 11.03% | +265 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -11.51% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -11.51% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 115.87% | 115.67% | 112.46% | 116.19% | 102.49% | 99.31% | 90.98% | 90.50% | -2,568 bps | |
| Liquid Assets / Assets | 10.40% | 1.56% | 1.19% | 0.63% | 4.83% | 0.39% | 0.00% | 7.98% | +735 bps | |