Frankfort, KY · Charter 15314
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 2014, 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.
Frankfort, KY · Charter 15314
Q1 2014
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 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.74% | 0.49% | 0.33% | 0.14% | -1.09% | -183 bps | |
| Return on Equity | 7.36% | 4.94% | 3.38% | 1.47% | -11.64% | -1,900 bps | |
| Net Interest Margin | 5.66% | 5.23% | 4.87% | 4.77% | 3.99% | -167 bps | |
| Efficiency Ratio | 96.47% | 93.41% | 97.28% | 96.88% | 125.59% | +2,912 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.09% | -5.19% | 4.58% | 0.08% | 4.27% | +836 bps | |
| Loan Growth (YoY) | -11.97% | -20.37% | -20.42% | -26.50% | -32.86% | -2,090 bps | |
| Share Growth (YoY) | -5.30% | -6.23% | 4.54% | -0.05% | 5.25% | +1,055 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.53% | 1.48% | 2.86% | 3.96% | 3.79% | +126 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.43% | 0.47% | 0.46% | 0.84% | 1.04% | +62 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.10% | 9.93% | 9.72% | 9.67% | 9.37% | -72 bps | |
| Net Worth / Assets | 10.10% | 9.93% | 9.72% | 9.67% | 9.37% | -72 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.21% | 67.20% | 65.08% | 58.95% | 49.25% | -2,796 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |