Shepherdstown, WV · Cert 57765
FDIC
Q2 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.71% | -5.03% | -3.03% | -2.64% | -1.99% | -1.85% | -1.29% | -1.42% | +122 bps | |
| Return on Equity | n/a | -27.44% | -20.71% | -17.41% | -13.60% | -13.82% | -10.12% | -11.47% | +594 bps | |
| Net Interest Margin | 0.58% | 2.93% | 2.86% | 3.17% | 3.23% | 3.13% | 3.17% | 2.96% | -22 bps | |
| Efficiency Ratio | 641% | 299% | 255% | 206% | 190.41% | 188.80% | 158.93% | 164.81% | -4,092 bps | |
| Non-Interest Burden | n/a | 8.93% | 7.42% | 6.62% | 6.25% | 6.00% | 5.11% | 5.00% | -161 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 99.36% | 36.13% | 43.08% | 12.95% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 82.69% | 16.48% | 18.13% | 0.05% | n/a | |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | 124.53% | 59.94% | 46.44% | 17.62% | n/a | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.93% | 1.00% | 1.00% | 1.00% | 1.04% | 1.01% | 1.00% | 1.07% | +7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 37.93% | 21.38% | 20.04% | 21.78% | 20.39% | 18.93% | 17.77% | 17.51% | -427 bps | |
| Equity / Assets | 23.36% | 14.89% | 14.35% | 15.82% | 13.62% | 13.17% | 12.40% | 12.39% | -343 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.94% | 115.15% | 102.16% | 96.82% | 82.13% | 83.86% | 82.41% | 82.36% | -1,446 bps | |
| Liquid Assets / Assets | 3.93% | 0.92% | 0.27% | 5.75% | 1.00% | 0.04% | 0.09% | 0.04% | -571 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |