Parkersburg, WV · Charter 5958
Q1 2005
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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | 0.08% | 0.62% | 0.11% | -0.15% | -0.26% | -1.12% | -1.12% | -123 bps | |
| Return on Equity | 2.22% | 0.91% | 5.71% | 1.02% | -1.45% | -2.35% | -7.48% | -7.48% | -851 bps | |
| Net Interest Margin | 4.45% | 3.88% | 4.76% | 3.93% | 3.70% | 4.04% | 5.23% | 5.23% | +130 bps | |
| Efficiency Ratio | 95.59% | 97.96% | 87.37% | 97.48% | 95.50% | 100.52% | 115.82% | 115.83% | +1,836 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.27% | -9.88% | -13.64% | -12.01% | -9.29% | -17.65% | -33.83% | -36.45% | -2,444 bps | |
| Loan Growth (YoY) | -18.81% | -14.94% | -14.41% | -16.93% | -24.95% | -37.61% | -44.31% | -39.53% | -2,260 bps | |
| Share Growth (YoY) | -9.59% | -10.90% | -14.98% | -13.32% | -9.74% | -18.86% | -36.63% | -39.42% | -2,611 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.06% | 5.13% | 8.36% | 6.92% | 12.69% | 15.02% | 18.66% | 18.66% | +1,175 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 | 4.97% | 3.78% | 4.19% | 2.42% | 3.80% | 4.50% | 5.67% | 5.67% | +325 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.15% | 9.13% | 10.92% | 10.52% | 10.23% | 11.18% | 14.98% | 14.98% | +446 bps | |
| Net Worth / Assets | 9.15% | 9.13% | 10.92% | 10.52% | 10.23% | 11.18% | 14.98% | 14.98% | +446 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.34% | 54.39% | 56.56% | 49.80% | 44.35% | 41.82% | 49.71% | 49.71% | -9 bps | |
| Liquid Assets / Assets | 52.31% | 51.01% | 48.50% | 53.67% | 58.77% | 61.61% | 57.44% | 57.44% | +377 bps | |