Grantsville, WV · Charter 23112
Q4 2002
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 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.36% | 1.50% | -3.37% | 1.74% | 0.40% | -9.55% | -35.69% | -188.76% | -19,049 bps | |
| Return on Equity | n/a | n/a | -9.14% | 5.59% | 1.05% | -24.61% | -51.37% | -519% | -52,483 bps | |
| Net Interest Margin | 10.54% | 9.02% | 8.24% | 8.96% | 12.81% | 8.43% | 13.88% | 24.48% | +1,553 bps | |
| Efficiency Ratio | 73.12% | 83.35% | 106.18% | 80.70% | 96.89% | 213% | 357% | 756% | +67,486 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.61% | -4.27% | -25.01% | -6.18% | -10.24% | -31.37% | -64.30% | -86.45% | -8,027 bps | |
| Loan Growth (YoY) | 8.21% | 36.15% | -28.41% | 44.04% | -21.17% | -78.39% | -88.82% | -100.00% | -14,404 bps | |
| Share Growth (YoY) | -7.23% | -10.05% | -33.57% | -6.26% | -5.09% | -34.62% | -82.74% | -87.37% | -8,111 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 2.86% | 7.87% | 6.46% | 8.18% | 26.00% | 50.17% | n/a | n/a | |
| 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 | 9.09% | 0.00% | 11.34% | 7.53% | 11.90% | 36.86% | 37.39% | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 36.85% | 31.06% | 37.80% | 38.80% | 69.47% | 36.35% | +529 bps | |
| Net Worth / Assets | n/a | n/a | 36.85% | 31.06% | 37.80% | 38.80% | 69.47% | 36.35% | +529 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 124.50% | 118.34% | 98.19% | 120.14% | 103.41% | 39.12% | 63.62% | 0.00% | -12,014 bps | |
| Liquid Assets / Assets | 13.61% | 17.94% | 41.52% | 22.88% | 41.80% | 83.20% | 84.11% | 91.32% | +6,844 bps | |