Wheeling, WV · Charter 387
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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.
Wheeling, WV · Charter 387
Q2 2014
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 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.70% | -0.59% | -1.00% | -1.08% | -3.94% | -3.50% | -3.05% | -33.42% | -3,234 bps | |
| Return on Equity | -2.80% | -2.30% | -3.87% | -4.17% | -16.26% | -14.64% | -13.07% | -224% | -21,998 bps | |
| Net Interest Margin | 1.27% | 1.33% | 1.11% | 1.00% | 0.89% | 0.66% | -0.26% | -29.38% | -3,038 bps | |
| Efficiency Ratio | 155.31% | 144.65% | 190.12% | 208% | 242% | 324% | n/a | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.76% | -17.17% | -19.31% | -12.18% | -7.55% | -5.97% | -5.71% | -26.86% | -1,469 bps | |
| Loan Growth (YoY) | -19.22% | -27.36% | -32.34% | -44.94% | -44.82% | -57.83% | -72.23% | -81.74% | -3,680 bps | |
| Share Growth (YoY) | -19.31% | -21.43% | -23.89% | -15.13% | -6.51% | -3.75% | -2.68% | -15.83% | -70 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 14.59% | 17.51% | 18.05% | 29.84% | 30.89% | 20.49% | 32.23% | 0.00% | -2,984 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 | 9.95% | 12.28% | 12.49% | 11.45% | 32.31% | 52.16% | 86.40% | 99.26% | +8,781 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.20% | 25.79% | 25.84% | 25.97% | 24.25% | 23.93% | 23.37% | 14.91% | -1,106 bps | |
| Net Worth / Assets | 25.20% | 25.79% | 25.84% | 25.97% | 24.25% | 23.93% | 23.37% | 14.91% | -1,106 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 21.26% | 17.80% | 16.52% | 14.30% | 12.55% | 7.80% | 4.71% | 3.10% | -1,120 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |