Charleston, WV · Charter 23006
Q2 2001
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 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.57% | 4.89% | 5.21% | 4.73% | 3.57% | 0.68% | 0.33% | 0.48% | -425 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 1.84% | 2.71% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 8.85% | 4.54% | 5.32% | 4.82% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 49.41% | 83.89% | 76.29% | 78.94% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.16% | -2.56% | -5.59% | -9.83% | -13.77% | -5.36% | 2.02% | -1.24% | +859 bps | |
| Loan Growth (YoY) | 7.14% | -4.22% | 2.77% | -1.80% | 0.47% | 13.94% | 2.01% | 0.07% | +187 bps | |
| Share Growth (YoY) | 5.19% | -5.15% | -9.20% | -13.73% | -17.85% | -7.80% | 1.59% | -2.00% | +1,173 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.58% | 3.24% | 2.02% | 4.15% | 4.47% | 3.98% | 5.85% | 7.55% | +340 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 | 1.18% | 0.95% | 1.00% | 1.12% | 2.20% | 1.93% | 0.75% | 1.42% | +30 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 17.77% | 17.79% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 17.77% | 17.79% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.52% | 54.08% | 69.24% | 64.33% | 67.90% | 66.83% | 69.53% | 65.69% | +136 bps | |
| Liquid Assets / Assets | 39.90% | 41.54% | 35.04% | 34.28% | 0.00% | 0.00% | 26.06% | 45.00% | +1,072 bps | |