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B. C. B. S.

Louisville, KY · Charter 61204

Q3 2013

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 2013, the quarter ended September 30, 2013, 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 2026-10-10

B. C. B. S.

Louisville, KY · Charter 61204

Q3 2013

$6.3MAssets
$1.5MLoans
$5.2MShares
$1.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.18%, up 63 bps year over year; NIM at 1.95%.
  • Asset quality: problem loans at 1.00% of loans (+75 bps YoY).
  • Capital: net worth / assets of 17.18%, up 197 bps from a year ago.
  • Funding: loans stand at 29.87% of shares as of Q3 2013.

Financial Results

Return on Assets (YTD, annualized)

0.18%+63 bps YoY

Net Interest Margin (YTD, annualized)

1.95%+13 bps YoY

Efficiency Ratio (YTD, annualized)

101.86%-512 bps YoY

Net Worth / Assets

17.18%+197 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets-0.45%-0.37%-0.07%0.07%0.18%+63 bps
Return on Equity-2.94%-2.25%-0.44%0.39%1.06%+400 bps
Net Interest Margin1.82%1.99%1.87%1.91%1.95%+13 bps
Efficiency Ratio106.98%105.73%107.33%111.54%101.86%-512 bps
Growth
Asset Growth (YoY)7.81%2.56%-3.18%-7.94%-10.79%-1,860 bps
Loan Growth (YoY)6.73%7.36%18.54%1.34%-10.09%-1,682 bps
Share Growth (YoY)9.78%3.70%-3.29%-9.33%-12.78%-2,256 bps
Asset Quality
Delinquent Loans / Loans0.24%0.73%0.66%0.87%1.00%+75 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.71%0.72%0.59%0.09%0.12%-59 bps
Capital
Risk-Based Capital15.21%16.61%15.19%16.86%17.18%+197 bps
Net Worth / Assets15.21%16.61%15.19%16.86%17.18%+197 bps
Liquidity & Funding
Loans / Shares28.97%31.56%29.48%32.19%29.87%+90 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps