Buckhannon, WV · Charter 68116
Q2 1999
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 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.25% | 5.26% | 5.74% | 5.13% | 5.34% | 4.24% | 6.01% | 4.86% | -27 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | 47.91% | 29.93% | 27.46% | 15.80% | -2.12% | -4.54% | -7.60% | -3,505 bps | |
| Loan Growth (YoY) | n/a | 85.37% | 29.92% | 23.04% | 25.24% | 18.50% | -6.64% | 6.12% | -1,692 bps | |
| Share Growth (YoY) | n/a | 42.63% | 23.17% | 21.43% | 9.87% | -8.93% | -10.86% | -13.73% | -3,517 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 2.38% | 5.64% | 4.79% | 1.95% | 4.02% | +164 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 | 0.35% | 0.30% | 0.27% | 0.29% | 0.43% | 0.47% | 0.73% | 0.85% | +56 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.50% | 56.69% | 65.30% | 56.47% | 62.13% | 73.77% | 68.39% | 69.46% | +1,300 bps | |
| Liquid Assets / Assets | 44.68% | 35.95% | 33.56% | 42.67% | 31.81% | 30.27% | 37.34% | 36.58% | -609 bps | |