Wise, VA · Charter 23844
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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.
Wise, VA · Charter 23844
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 | 6.31% | 5.15% | 4.20% | 4.97% | 4.65% | 1.15% | 2.20% | 1.96% | -301 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 6.97% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 2.74% | 3.37% | 3.45% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 41.95% | 34.77% | 34.01% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -31.81% | -17.36% | 4.33% | 4.10% | 12.06% | 4.65% | 3.02% | 2.30% | -180 bps | |
| Loan Growth (YoY) | -44.71% | -40.29% | -19.74% | -13.53% | -2.87% | -5.41% | -24.37% | -21.03% | -750 bps | |
| Share Growth (YoY) | -41.31% | -29.95% | -5.13% | 1.85% | 12.87% | 2.83% | 0.41% | -0.47% | -232 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.40% | 5.82% | 2.84% | 3.08% | 2.75% | 3.66% | 9.80% | 6.66% | +359 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 | 10.87% | 5.94% | 5.61% | 6.27% | 4.94% | 6.69% | 5.82% | 6.58% | +31 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 28.16% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 28.16% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.07% | 41.59% | 43.05% | 42.01% | 37.92% | 38.26% | 32.43% | 33.33% | -868 bps | |
| Liquid Assets / Assets | 69.50% | 69.98% | 68.13% | 67.40% | 71.30% | 0.00% | 0.00% | 77.80% | +1,040 bps | |