Lexington, KY · Charter 62365
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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.
Lexington, KY · Charter 62365
Q2 2001
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 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.56% | 2.13% | 1.70% | 2.11% | 1.64% | -192 bps | |
| Return on Equity | n/a | n/a | n/a | 8.69% | 7.25% | n/a | |
| Net Interest Margin | n/a | 5.53% | 5.46% | 6.22% | 5.28% | n/a | |
| Efficiency Ratio | n/a | 61.65% | 63.50% | 62.27% | 68.95% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 16.47% | 2.33% | 0.30% | 0.55% | -3.45% | -1,991 bps | |
| Loan Growth (YoY) | 65.88% | 34.11% | 27.75% | 2.28% | 11.69% | -5,419 bps | |
| Share Growth (YoY) | 16.83% | -0.64% | -3.91% | -4.68% | -9.10% | -2,593 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.82% | 0.92% | 0.00% | 0.80% | 1.68% | -14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.26% | 3.14% | 1.28% | 1.83% | 1.92% | -134 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 24.28% | 22.67% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 24.28% | 22.67% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 37.34% | 49.37% | 45.42% | 50.41% | 45.88% | +854 bps | |
| Liquid Assets / Assets | 62.26% | 55.38% | 52.64% | 51.86% | 63.49% | +123 bps | |