Huntington, WV · Charter 819
Q2 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | 0.40% | 0.07% | 0.17% | 0.12% | 0.15% | -0.24% | -1.19% | -136 bps | |
| Return on Equity | 1.96% | 3.21% | 0.58% | 1.42% | 1.04% | 1.32% | -2.20% | -11.26% | -1,267 bps | |
| Net Interest Margin | 4.15% | 4.21% | 4.15% | 3.95% | 3.87% | 3.77% | 3.54% | 3.37% | -58 bps | |
| Efficiency Ratio | 93.12% | 90.41% | 98.56% | 96.42% | 97.39% | 96.61% | 105.83% | 122.71% | +2,629 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.20% | 15.34% | 16.82% | 11.04% | 9.08% | 9.80% | 8.69% | 5.82% | -523 bps | |
| Loan Growth (YoY) | -10.78% | -8.57% | 1.81% | 11.56% | 5.03% | 3.25% | -7.65% | -5.84% | -1,740 bps | |
| Share Growth (YoY) | 21.85% | 17.00% | 19.12% | 12.20% | 10.96% | 11.46% | 10.84% | 7.61% | -459 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.70% | 1.11% | 0.67% | 0.46% | 1.36% | 1.07% | 1.11% | 1.41% | +95 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 | 0.67% | 0.63% | 0.52% | 0.40% | 0.41% | 0.41% | 0.39% | 0.59% | +19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.14% | 12.37% | 11.79% | 11.76% | 11.42% | 11.42% | 10.92% | 10.58% | -117 bps | |
| Net Worth / Assets | 12.14% | 12.37% | 11.79% | 11.76% | 11.42% | 11.42% | 10.92% | 10.58% | -117 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.78% | 66.46% | 67.34% | 67.54% | 63.21% | 61.56% | 56.11% | 59.10% | -844 bps | |
| Liquid Assets / Assets | 23.40% | 29.52% | 23.51% | 20.55% | 24.33% | 25.83% | 28.87% | 27.11% | +656 bps | |