Anmoore, WV · Charter 68114
Q2 2001
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 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.18% | 5.00% | 5.62% | 5.00% | 0.51% | 1.15% | 0.45% | 0.35% | -465 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 4.17% | 3.01% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 3.96% | 4.53% | 3.92% | 3.83% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 66.99% | 64.27% | 74.68% | 85.99% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.63% | 7.77% | 2.78% | -1.99% | -3.13% | -13.17% | -15.79% | -19.45% | -1,746 bps | |
| Loan Growth (YoY) | 8.11% | 19.82% | 6.31% | 5.28% | -18.54% | -26.45% | -26.41% | -27.64% | -3,292 bps | |
| Share Growth (YoY) | 3.33% | 7.43% | 3.04% | -2.81% | -3.97% | -14.90% | -17.80% | -21.32% | -1,851 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.35% | 0.42% | 1.78% | 2.79% | 5.26% | 1.17% | 0.88% | 0.00% | -279 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 | 2.18% | 2.14% | 4.81% | 4.94% | 6.63% | 5.46% | 4.87% | 3.99% | -96 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 10.82% | 11.53% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 10.82% | 11.53% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.18% | 63.37% | 62.90% | 61.89% | 57.84% | 54.76% | 56.31% | 56.92% | -497 bps | |
| Liquid Assets / Assets | 16.32% | 11.05% | 19.78% | 19.84% | 20.93% | 10.63% | 18.61% | 39.37% | +1,952 bps | |