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Charleston Newspapers

Charleston, WV · Charter 3464

Q2 2011

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2011, the quarter ended June 30, 2011, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Charleston Newspapers

Charleston, WV · Charter 3464

Q2 2011

$2.3MAssets
$395KLoans
$1.9MShares
$423KNet Worth

Executive Summary

  • Earnings: ROA of -0.15%, down 48 bps year over year; NIM at 1.79%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 18.12%, down 344 bps from a year ago.
  • Funding: loans stand at 20.71% of shares as of Q2 2011.

Return on Assets (YTD, annualized)

-0.15%-48 bps YoY

Net Interest Margin (YTD, annualized)

1.79%-188 bps YoY

Efficiency Ratio (YTD, annualized)

105.19%+2,622 bps YoY

Net Worth / Assets

18.12%-344 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2009Q2 2009Q3 2009Q4 2009Q1 2010Q3 2010Q1 2011Q2 2011YoY ΔTrend
Earnings
Return on Assets-1.00%1.38%0.60%0.33%0.93%0.24%-0.66%-0.15%-48 bps
Return on Equity-4.51%6.51%2.76%1.52%4.34%1.20%-3.71%-0.85%-237 bps
Net Interest Margin4.62%3.73%3.81%3.67%2.90%2.85%2.24%1.79%-188 bps
Efficiency Ratio78.21%58.54%71.97%78.97%76.53%86.30%123.49%105.19%+2,622 bps
Growth
Asset Growth (YoY)-4.96%0.94%1.99%4.34%7.48%8.21%19.31%15.49%+1,116 bps
Loan Growth (YoY)-18.28%-27.20%-24.02%-22.16%-31.03%-25.60%-35.74%-31.48%-932 bps
Share Growth (YoY)-6.64%-1.09%2.03%5.64%9.35%13.06%26.79%22.12%+1,648 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.09%2.34%2.41%1.35%1.70%2.02%2.48%2.53%+118 bps
Capital
Risk-Based Capital22.28%21.24%21.76%21.56%21.35%19.64%17.68%18.12%-344 bps
Net Worth / Assets22.28%21.24%21.76%21.56%21.35%19.64%17.68%18.12%-344 bps
Liquidity & Funding
Loans / Shares49.22%41.10%40.64%36.90%31.04%27.05%20.60%20.71%-1,619 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps