Union, WV · Charter 22901
Q4 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.41% | 1.40% | -3.89% | -0.68% | -3.34% | -12.85% | -10.03% | -7.65% | -696 bps | |
| Return on Equity | 13.30% | 12.22% | -38.28% | -7.19% | -34.97% | -297% | -310% | -198.97% | -19,179 bps | |
| Net Interest Margin | 5.97% | 6.00% | 3.53% | 3.56% | 2.43% | 3.37% | 3.82% | 4.21% | +66 bps | |
| Efficiency Ratio | 59.70% | 57.02% | 185.99% | 89.09% | 196.77% | 120.17% | 104.93% | 94.40% | +531 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.39% | 10.36% | 4.81% | 10.77% | 1.54% | 2.88% | 0.12% | -15.40% | -2,617 bps | |
| Loan Growth (YoY) | 9.11% | -2.78% | 1.33% | -11.80% | -18.85% | -31.59% | -26.59% | -29.47% | -1,767 bps | |
| Share Growth (YoY) | 7.40% | 9.92% | 5.59% | 12.72% | 2.75% | 11.12% | 7.82% | -9.98% | -2,270 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.55% | 13.26% | 8.73% | 7.47% | 19.31% | 3.94% | 6.04% | 1.90% | -557 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 | 5.15% | 5.72% | 6.48% | 5.36% | 6.81% | 2.79% | 5.79% | 6.29% | +93 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.60% | 11.42% | 10.15% | 9.52% | 9.54% | 4.33% | 3.24% | 3.84% | -568 bps | |
| Net Worth / Assets | 10.60% | 11.42% | 10.15% | 9.52% | 9.54% | 4.33% | 3.24% | 3.84% | -568 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.06% | 71.16% | 64.59% | 55.47% | 54.54% | 43.81% | 43.98% | 43.46% | -1,201 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |