Ashland, KY · Charter 22345
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.
Ashland, KY · Charter 22345
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 | 5.50% | 1.81% | 2.71% | -5.06% | -17.60% | -2,310 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 | 6.19% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 263% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 4.84% | -6.07% | -15.07% | -2.48% | -33.67% | -3,851 bps | |
| Loan Growth (YoY) | -1.32% | -16.76% | -43.22% | -52.81% | -57.83% | -5,651 bps | |
| Share Growth (YoY) | 0.05% | 0.30% | -19.02% | -32.01% | -34.18% | -3,424 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.26% | 6.22% | 7.24% | 12.78% | 22.03% | +1,477 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.22% | 2.86% | 0.56% | 3.04% | 6.55% | +533 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 | 105.77% | 92.45% | 79.76% | 74.56% | 67.77% | -3,800 bps | |
| Liquid Assets / Assets | 8.98% | 24.96% | 32.58% | 16.77% | 0.00% | -898 bps | |