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Kentucky Telco

Louisville, KY · Charter 23541

Q3 2015

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2015, the quarter ended September 30, 2015, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Kentucky Telco

Louisville, KY · Charter 23541

Q3 2015

$344.9MAssets
$204.2MLoans
$287.0MShares
$40.6MNet Worth

Executive Summary

  • Earnings: ROA of 0.83%, down 8 bps year over year; NIM at 2.62%.
  • Asset quality: problem loans at 0.54% of loans (+8 bps YoY).
  • Capital: net worth / assets of 11.77%, up 36 bps from a year ago.
  • Funding: loans stand at 71.14% of shares as of Q3 2015.

Return on Assets (YTD, annualized)

0.83%-8 bps YoY

Net Interest Margin (YTD, annualized)

2.62%-32 bps YoY

Efficiency Ratio (YTD, annualized)

78.58%+310 bps YoY

Net Worth / Assets

11.77%+36 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets1.13%1.05%0.95%0.91%0.90%0.73%0.80%0.83%-8 bps
Return on Equity10.02%9.36%8.38%7.96%7.84%6.35%6.86%7.05%-91 bps
Net Interest Margin3.03%2.98%2.93%2.93%2.91%2.68%2.68%2.62%-32 bps
Efficiency Ratio72.19%73.06%75.89%75.48%74.64%80.14%78.48%78.58%+310 bps
Growth
Asset Growth (YoY)6.04%4.74%6.66%7.18%6.34%5.68%3.69%4.47%-271 bps
Loan Growth (YoY)8.26%10.82%11.69%8.99%5.33%0.08%-1.86%-0.45%-944 bps
Share Growth (YoY)4.41%4.76%6.79%5.57%4.49%3.20%2.26%4.05%-152 bps
Asset Quality
Delinquent Loans / Loans0.53%0.66%0.39%0.46%0.57%0.43%0.53%0.54%+8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.79%0.78%0.70%0.73%0.79%0.76%0.72%0.60%-13 bps
Capital
Risk-Based Capital11.29%11.23%11.27%11.41%11.52%11.45%11.70%11.77%+36 bps
Net Worth / Assets11.29%11.23%11.27%11.41%11.52%11.45%11.70%11.77%+36 bps
Liquidity & Funding
Loans / Shares72.43%70.64%72.67%74.36%73.01%68.51%69.75%71.14%-322 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps