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West Virginia Central

Parkersburg, WV · Charter 67774

NCUA · 1 branch

Q2 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2017, the quarter ended June 30, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

West Virginia Central

Parkersburg, WV · Charter 67774

NCUA · 1 branch

Q2 2017

$166.3MAssets
$117.4MLoans
$150.5MShares
$16.4MNet Worth

Executive Summary

  • Earnings: ROA of 1.13%, unchanged from a year ago; NIM at 2.44%.
  • Asset quality: problem loans at 0.57% of loans (+27 bps YoY).
  • Capital: net worth / assets of 9.85%, up 26 bps from a year ago.
  • Funding: loans stand at 78.01% of shares as of Q2 2017.

Return on Assets (YTD, annualized)

1.13%0 bps YoY

Net Interest Margin (YTD, annualized)

2.44%-2 bps YoY

Efficiency Ratio (YTD, annualized)

67.25%-25 bps YoY

Net Worth / Assets

9.85%+26 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets1.08%1.04%1.06%1.13%1.11%1.04%0.98%1.13%0 bps
Return on Equity11.72%11.02%11.16%11.77%11.38%10.51%10.35%11.47%-30 bps
Net Interest Margin2.42%2.44%2.53%2.46%2.46%2.46%2.34%2.44%-2 bps
Efficiency Ratio69.15%70.22%68.33%67.51%67.86%69.80%71.46%67.25%-25 bps
Growth
Asset Growth (YoY)10.71%11.55%6.62%6.03%6.21%6.00%11.20%8.58%+256 bps
Loan Growth (YoY)12.18%8.69%9.09%8.10%7.19%9.14%10.51%13.86%+576 bps
Share Growth (YoY)10.63%11.40%6.26%5.55%5.79%5.59%11.13%8.27%+272 bps
Asset Quality
Delinquent Loans / Loans0.41%0.47%0.27%0.30%0.29%0.61%0.59%0.57%+27 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.22%0.22%0.22%0.23%0.23%0.22%0.21%0.23%0 bps
Capital
Risk-Based Capital9.25%9.42%9.47%9.58%9.75%9.93%9.50%9.85%+26 bps
Net Worth / Assets9.25%9.42%9.47%9.58%9.75%9.93%9.50%9.85%+26 bps
Liquidity & Funding
Loans / Shares74.15%74.20%73.18%74.18%75.13%76.71%72.77%78.01%+383 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps