City of Charleston Employees

Charleston, WV · Charter 21016

Q2 1996

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2

Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 1996, the quarter ended June 30, 1996, 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.

Charleston, WV · Charter 21016

Q2 1996

$694KAssets

$507KLoans

$589KShares

n/aNet Worth

Return on Assets (YTD, annualized)

5.33%-8 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	YoY Δ	Trend
Earnings
Return on Assets	5.41%	5.16%	5.79%	3.05%	5.33%	-8 bps
Return on Equity	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	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a	n/a	33.81%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	32.50%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	34.52%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	3.80%	2.87%	3.30%	4.28%	4.94%	+114 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	4.26%	1.91%	2.10%	2.24%	0.73%	-354 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Shares	87.51%	122.88%	95.88%	97.77%	86.19%	-132 bps
Liquid Assets / Assets	25.05%	0.94%	11.69%	4.76%	14.86%	-1,019 bps