Louisville, KY · Charter 62227
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.
Louisville, KY · Charter 62227
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 | 4.28% | 2.97% | 3.30% | 2.59% | 0.11% | -417 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 | 4.62% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 97.74% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -6.21% | -8.52% | -13.38% | -11.14% | -9.18% | -296 bps | |
| Loan Growth (YoY) | -11.27% | -23.55% | -36.10% | -28.76% | -23.09% | -1,182 bps | |
| Share Growth (YoY) | -8.81% | -10.91% | -16.31% | -13.32% | -10.91% | -210 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.73% | 2.35% | 3.09% | 1.50% | 0.68% | -505 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.42% | 1.37% | 1.38% | 1.48% | 1.79% | +37 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 | 84.06% | 69.47% | 72.39% | 63.64% | 72.57% | -1,149 bps | |
| Liquid Assets / Assets | 21.19% | 22.87% | 29.64% | 36.73% | 35.76% | +1,457 bps | |