Charleston, WV · Charter 3464
Q2 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 Margin | 4.62% | 3.73% | 3.81% | 3.67% | 2.90% | 2.85% | 2.24% | 1.79% | -188 bps | |
| Efficiency Ratio | 78.21% | 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 / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 2.09% | 2.34% | 2.41% | 1.35% | 1.70% | 2.02% | 2.48% | 2.53% | +118 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.28% | 21.24% | 21.76% | 21.56% | 21.35% | 19.64% | 17.68% | 18.12% | -344 bps | |
| Net Worth / Assets | 22.28% | 21.24% | 21.76% | 21.56% | 21.35% | 19.64% | 17.68% | 18.12% | -344 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.22% | 41.10% | 40.64% | 36.90% | 31.04% | 27.05% | 20.60% | 20.71% | -1,619 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |