Wheeling, WV · Charter 3909
Q2 2013
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 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.42% | 0.28% | 0.28% | 0.31% | 0.06% | 0.05% | -0.52% | -80 bps | |
| Return on Equity | 2.06% | 1.98% | 1.34% | 1.39% | 1.58% | 0.31% | 0.22% | -2.84% | -423 bps | |
| Net Interest Margin | 2.07% | 2.16% | 1.95% | 1.93% | 1.90% | 1.77% | 2.19% | 1.83% | -10 bps | |
| Efficiency Ratio | 81.71% | 82.06% | 85.83% | 85.50% | 83.67% | 96.28% | 97.74% | 127.63% | +4,213 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.16% | -2.01% | 1.62% | 2.48% | 4.53% | 4.14% | -0.38% | 7.81% | +532 bps | |
| Loan Growth (YoY) | 12.82% | 7.99% | -4.66% | -18.55% | -11.78% | -15.16% | -15.14% | -16.74% | +182 bps | |
| Share Growth (YoY) | 8.65% | -2.96% | 1.72% | 2.79% | 5.15% | 4.86% | -0.49% | 9.76% | +697 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 3.72% | +372 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 | 15.61% | 15.44% | 16.92% | 17.74% | 18.22% | 18.74% | 20.52% | 21.98% | +424 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.20% | 21.06% | 20.69% | 20.19% | 19.65% | 20.29% | 20.78% | 18.39% | -179 bps | |
| Net Worth / Assets | 20.20% | 21.06% | 20.69% | 20.19% | 19.65% | 20.29% | 20.78% | 18.39% | -179 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 17.75% | 18.98% | 17.01% | 15.74% | 14.89% | 15.36% | 14.51% | 11.94% | -380 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |