Princeton, WV · Charter 24198
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 2002, 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.
Princeton, WV · Charter 24198
Q4 2002
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.67% | -7.43% | 0.00% | 1.59% | 1.59% | -208 bps | |
| Return on Equity | 28.96% | -206% | 0.00% | 75.41% | 75.41% | +4,644 bps | |
| Net Interest Margin | 8.42% | 8.03% | 10.12% | 10.01% | 10.01% | +158 bps | |
| Efficiency Ratio | 56.95% | 70.26% | 54.19% | 53.34% | 53.34% | -361 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 32.55% | 60.63% | 18.58% | 9.62% | -0.51% | -3,305 bps | |
| Loan Growth (YoY) | 165.65% | 110.99% | 51.61% | 7.77% | -0.63% | -16,628 bps | |
| Share Growth (YoY) | 19.64% | 42.55% | 33.31% | 66.51% | 22.16% | +252 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.41% | 4.41% | 5.64% | 12.54% | 12.54% | +913 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.75% | 10.11% | 8.68% | 8.91% | 8.91% | +717 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.66% | 3.61% | 0.92% | 2.10% | 2.10% | -1,056 bps | |
| Net Worth / Assets | 12.66% | 3.61% | 0.92% | 2.10% | 2.10% | -1,056 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 116.53% | 138.90% | 96.23% | 94.79% | 94.79% | -2,174 bps | |
| Liquid Assets / Assets | 7.87% | 4.93% | 11.65% | 13.73% | 13.73% | +586 bps | |