Princeton, WV · Charter 24198
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 | 1.10% | 0.93% | 2.82% | 3.67% | -7.43% | 0.00% | 1.59% | 1.59% | -208 bps | |
| Return on Equity | n/a | n/a | 22.95% | 28.96% | -206% | 0.00% | 75.41% | 75.41% | +4,644 bps | |
| Net Interest Margin | 6.80% | 6.44% | 6.81% | 8.42% | 8.03% | 10.12% | 10.01% | 10.01% | +158 bps | |
| Efficiency Ratio | 70.78% | 73.92% | 49.92% | 56.95% | 70.26% | 54.19% | 53.34% | 53.34% | -361 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.83% | 45.41% | 65.86% | 32.55% | 60.63% | 18.58% | 9.62% | -0.51% | -3,305 bps | |
| Loan Growth (YoY) | 122.58% | 99.90% | 174.10% | 165.65% | 110.99% | 51.61% | 7.77% | -0.63% | -16,628 bps | |
| Share Growth (YoY) | 25.34% | 49.10% | 25.92% | 19.64% | 42.55% | 33.31% | 66.51% | 22.16% | +252 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.64% | 4.77% | 5.90% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.77% | 2.10% | 1.72% | 1.75% | 10.11% | 8.68% | 8.91% | 8.91% | +717 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 12.28% | 12.66% | 3.61% | 0.92% | 2.10% | 2.10% | -1,056 bps | |
| Net Worth / Assets | n/a | n/a | 12.28% | 12.66% | 3.61% | 0.92% | 2.10% | 2.10% | -1,056 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.85% | 84.62% | 146.46% | 116.53% | 138.90% | 96.23% | 94.79% | 94.79% | -2,174 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 6.54% | 7.87% | 4.93% | 11.65% | 13.73% | 13.73% | +586 bps | |