Covington, KY · Charter 62472
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 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.
Covington, KY · Charter 62472
Q4 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 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.32% | -0.47% | -0.51% | -0.11% | -1.50% | -182 bps | |
| Return on Equity | n/a | n/a | -4.74% | -1.01% | -15.56% | n/a | |
| Net Interest Margin | -1.81% | 1.32% | 3.01% | 1.74% | 1.10% | +290 bps | |
| Efficiency Ratio | 86.25% | 136.01% | 116.83% | 106.53% | 237% | +15,037 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.91% | 10.07% | 13.80% | -1.30% | -0.66% | -657 bps | |
| Loan Growth (YoY) | 0.94% | -18.75% | -5.34% | -9.49% | -29.44% | -3,037 bps | |
| Share Growth (YoY) | 4.89% | 11.90% | 16.67% | -1.75% | 6.98% | +209 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.59% | 7.71% | 11.38% | 7.15% | 6.43% | +384 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 12.70% | 17.36% | 15.69% | 16.60% | 8.30% | -440 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 10.71% | 11.30% | 9.64% | n/a | |
| Net Worth / Assets | n/a | n/a | 10.71% | 11.30% | 9.64% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 33.59% | 22.29% | 26.23% | 25.63% | 22.15% | -1,143 bps | |
| Liquid Assets / Assets | 50.25% | 31.11% | 80.41% | 76.67% | 75.83% | +2,558 bps | |