Covington, IN · Charter 13490
Q4 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1999, the quarter ended December 31, 1999, 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.
Covington, IN · Charter 13490
Q4 1999
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 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.77% | 1.95% | 2.47% | 2.11% | -0.17% | -395 bps | |
| Return on Equity | 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 | 4.51% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 100.36% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 9.03% | -4.14% | -5.31% | -22.19% | -24.65% | -3,369 bps | |
| Loan Growth (YoY) | -9.37% | -8.96% | -16.77% | -15.06% | -2.41% | +695 bps | |
| Share Growth (YoY) | 9.97% | -3.18% | -3.48% | -21.07% | -24.84% | -3,482 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.99% | 4.19% | 4.01% | 4.21% | 3.12% | +13 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.89% | 2.92% | 3.46% | 3.07% | 0.93% | -96 bps | |
| Capital | |||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.79% | 62.50% | 62.43% | 67.94% | 77.63% | +1,784 bps | |
| Liquid Assets / Assets | 33.21% | 30.78% | 29.93% | 26.35% | 13.60% | -1,961 bps | |