Parkersburg, WV · Charter 5209
Q2 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.22% | 1.91% | 0.53% | 1.52% | 0.48% | 1.54% | 0.70% | 2.17% | +65 bps | |
| Return on Equity | 11.98% | 9.91% | 2.79% | 7.93% | 2.26% | 6.82% | 2.96% | 8.66% | +74 bps | |
| Net Interest Margin | 4.64% | 4.43% | 3.26% | 3.88% | 4.33% | 4.49% | 4.39% | 4.59% | +71 bps | |
| Efficiency Ratio | 49.09% | 52.17% | 73.59% | 57.43% | 55.43% | 59.62% | 67.22% | 52.74% | -468 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.42% | 2.66% | 1.78% | -2.13% | -7.95% | -10.19% | -13.58% | -20.56% | -1,843 bps | |
| Loan Growth (YoY) | -11.10% | -18.81% | -10.47% | -8.07% | -14.98% | -14.12% | -22.94% | -32.18% | -2,412 bps | |
| Share Growth (YoY) | 1.24% | -1.77% | -0.18% | -3.94% | -11.14% | -13.97% | -18.16% | -26.36% | -2,242 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.45% | 9.74% | 9.57% | 12.63% | 11.29% | 8.89% | 6.99% | 1.74% | -1,089 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 | 2.02% | 2.45% | 3.04% | 3.16% | 2.66% | 0.75% | 1.45% | 2.08% | -108 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.50% | 19.30% | 19.03% | 19.19% | 21.28% | 22.61% | 23.60% | 25.06% | +587 bps | |
| Net Worth / Assets | 18.50% | 19.30% | 19.03% | 19.19% | 21.28% | 22.61% | 23.60% | 25.06% | +587 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.20% | 55.51% | 55.78% | 52.32% | 53.77% | 55.42% | 52.53% | 48.18% | -414 bps | |
| Liquid Assets / Assets | 24.35% | 24.90% | 29.17% | 25.46% | 38.26% | 21.27% | 24.01% | 32.01% | +655 bps | |