Parkersburg, WV · Charter 68115
Q3 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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.11% | 0.83% | 0.41% | 0.36% | 0.44% | -0.56% | 0.26% | 0.12% | -24 bps | |
| Return on Equity | 0.83% | 6.37% | 3.13% | 2.78% | 3.21% | -4.09% | 1.70% | 0.87% | -191 bps | |
| Net Interest Margin | 1.37% | 1.82% | 1.49% | 1.42% | 1.39% | 0.44% | 1.20% | 1.33% | -9 bps | |
| Efficiency Ratio | 60.49% | 51.33% | 63.16% | 67.68% | 63.34% | 215% | 78.45% | 89.92% | +2,224 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.51% | 2.92% | -0.37% | -0.17% | -0.44% | -4.43% | -12.11% | -28.21% | -2,805 bps | |
| Loan Growth (YoY) | -29.56% | -32.84% | -30.96% | -28.12% | -27.28% | -29.93% | -34.49% | -40.25% | -1,213 bps | |
| Share Growth (YoY) | 5.08% | 4.13% | -0.69% | -0.73% | -2.69% | -5.16% | -14.24% | -29.03% | -2,829 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 18.62% | 15.77% | 17.54% | 15.37% | 19.80% | 18.23% | 22.39% | 17.17% | +180 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 | 9.45% | 8.72% | 9.00% | 8.57% | 7.87% | 8.21% | 9.64% | 11.21% | +264 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.12% | 13.03% | 12.99% | 13.12% | 13.61% | 13.72% | 15.16% | 14.12% | +100 bps | |
| Net Worth / Assets | 13.12% | 13.03% | 12.99% | 13.12% | 13.61% | 13.72% | 15.16% | 14.12% | +100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 14.96% | 13.20% | 12.22% | 11.11% | 11.18% | 9.75% | 9.33% | 9.36% | -176 bps | |
| Liquid Assets / Assets | 49.13% | 54.49% | 30.82% | 27.78% | 24.41% | 14.70% | 14.33% | 11.91% | -1,588 bps | |