Clarksburg, WV · Charter 68109
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Clarksburg, WV · Charter 68109
Q3 2010
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.22% | 1.30% | -3.24% | -0.90% | 0.10% | 0.19% | 0.13% | 0.68% | +158 bps | |
| Return on Equity | 11.49% | 12.21% | -34.31% | -8.92% | 1.00% | 1.79% | 1.28% | 6.21% | +1,513 bps | |
| Net Interest Margin | 4.01% | 4.05% | 3.73% | 3.80% | 3.89% | 4.01% | 3.89% | 4.73% | +93 bps | |
| Efficiency Ratio | 73.18% | 69.89% | 90.97% | 85.02% | 72.43% | 73.89% | 91.37% | 79.14% | -588 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.71% | 2.58% | 5.86% | 5.94% | 7.22% | 4.82% | 1.57% | -3.21% | -916 bps | |
| Loan Growth (YoY) | -10.06% | -6.07% | -8.12% | -6.54% | -7.52% | -4.55% | -1.65% | 3.91% | +1,044 bps | |
| Share Growth (YoY) | -3.92% | 1.42% | 5.96% | 4.61% | 7.36% | 5.19% | 0.81% | -3.03% | -765 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.47% | 0.65% | 1.32% | 0.59% | 0.63% | 0.47% | 1.55% | 1.89% | +130 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 | 3.18% | 2.94% | 3.39% | 2.71% | 2.84% | 2.94% | 3.18% | 3.01% | +30 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.64% | 10.67% | 9.46% | 10.07% | 10.41% | 10.36% | 10.34% | 10.99% | +93 bps | |
| Net Worth / Assets | 10.64% | 10.67% | 9.46% | 10.07% | 10.41% | 10.36% | 10.34% | 10.99% | +93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.23% | 63.17% | 57.48% | 55.27% | 57.05% | 57.33% | 56.08% | 59.23% | +396 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |