Lexington, KY · Charter 1220
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 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.
Lexington, KY · Charter 1220
Q1 2010
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.55% | -2.83% | -3.68% | -3.20% | -5.39% | -85 bps | |
| Return on Equity | -86.60% | -54.67% | -93.89% | -88.02% | -235% | -14,807 bps | |
| Net Interest Margin | 4.48% | 4.76% | 4.86% | 4.93% | 4.42% | -7 bps | |
| Efficiency Ratio | 102.45% | 78.43% | 77.64% | 79.95% | 96.22% | -622 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.28% | -6.89% | -6.76% | -5.07% | -6.87% | -558 bps | |
| Loan Growth (YoY) | -2.78% | -11.82% | -11.61% | -15.35% | -17.33% | -1,455 bps | |
| Share Growth (YoY) | 4.58% | -0.41% | 2.81% | 0.86% | -3.07% | -765 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.20% | 3.62% | 3.48% | 4.54% | 3.17% | +97 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.27% | 1.42% | 2.61% | 2.79% | 3.18% | +191 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.25% | 5.18% | 3.92% | 3.64% | 2.30% | -295 bps | |
| Net Worth / Assets | 5.25% | 5.18% | 3.92% | 3.64% | 2.30% | -295 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.92% | 94.40% | 91.62% | 86.74% | 80.11% | -1,382 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |