Charleston, WV · Charter 24377
Q2 2008
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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.17% | 2.94% | 2.26% | 1.66% | 1.92% | 1.94% | -1.04% | 0.05% | -161 bps | |
| Return on Equity | 12.11% | 13.19% | 9.58% | 8.55% | 10.00% | 7.99% | -4.42% | 0.22% | -833 bps | |
| Net Interest Margin | 3.89% | 5.04% | 4.46% | 3.39% | 3.57% | 4.06% | 0.72% | 1.85% | -154 bps | |
| Efficiency Ratio | 45.92% | 43.10% | 50.26% | 52.15% | 47.36% | 53.14% | 228% | 97.32% | +4,518 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -20.43% | -20.84% | -12.78% | 3.25% | 5.68% | -0.24% | 4.89% | -14.40% | -1,765 bps | |
| Loan Growth (YoY) | 25.52% | 14.58% | -11.05% | -28.06% | -18.04% | -25.10% | -28.41% | -28.69% | -63 bps | |
| Share Growth (YoY) | -25.60% | -27.37% | -18.61% | 1.63% | 4.41% | -2.80% | 4.47% | -19.33% | -2,097 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.31% | 0.40% | 3.56% | 3.67% | +367 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 | 5.03% | 5.17% | 5.62% | 6.34% | 6.13% | 6.91% | 7.85% | 8.90% | +255 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.91% | 22.30% | 23.55% | 19.43% | 19.19% | 24.30% | 23.55% | 23.64% | +421 bps | |
| Net Worth / Assets | 17.91% | 22.30% | 23.55% | 19.43% | 19.19% | 24.30% | 23.55% | 23.64% | +421 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.46% | 66.09% | 63.83% | 43.34% | 42.75% | 50.93% | 43.75% | 38.31% | -503 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |