Charleston, WV · Charter 68013
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Charleston, WV · Charter 68013
Q1 2005
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.24% | 0.33% | 0.27% | 0.25% | 0.40% | +16 bps | |
| Return on Equity | 2.89% | 3.91% | 3.06% | 2.88% | 4.68% | +179 bps | |
| Net Interest Margin | 3.26% | 3.45% | 3.70% | 3.66% | 3.85% | +59 bps | |
| Efficiency Ratio | 91.71% | 89.33% | 91.26% | 92.58% | 82.10% | -961 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.50% | -3.18% | -8.16% | -5.24% | -0.37% | +214 bps | |
| Loan Growth (YoY) | 1.63% | 13.05% | 13.93% | 15.15% | 8.83% | +720 bps | |
| Share Growth (YoY) | -2.23% | -4.41% | -8.54% | -5.88% | -0.83% | +140 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.21% | 0.99% | 0.98% | 1.08% | 2.27% | +107 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.72% | 0.75% | 0.81% | 0.81% | 1.09% | +37 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.22% | 8.48% | 8.79% | 8.65% | 8.53% | +31 bps | |
| Net Worth / Assets | 8.22% | 8.48% | 8.79% | 8.65% | 8.53% | +31 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.50% | 63.03% | 64.89% | 63.94% | 59.81% | +531 bps | |
| Liquid Assets / Assets | 47.69% | 40.57% | 37.98% | 39.19% | 42.52% | -516 bps | |