Paducah, KY · Charter 62546
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 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.
Paducah, KY · Charter 62546
Q2 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 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.71% | 3.50% | 3.67% | 3.96% | 2.23% | -48 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 | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 1.69% | 2.86% | 3.67% | 10.16% | -7.04% | -873 bps | |
| Loan Growth (YoY) | 46.62% | -18.60% | -16.91% | -21.03% | -32.75% | -7,937 bps | |
| Share Growth (YoY) | -0.86% | -0.80% | 1.15% | 6.49% | -10.92% | -1,006 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.12% | 1.19% | 2.04% | 1.72% | 11.73% | +861 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.05% | 1.56% | 1.45% | 2.05% | 2.59% | +54 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 | 55.45% | 55.51% | 52.47% | 53.96% | 41.86% | -1,359 bps | |
| Liquid Assets / Assets | 25.34% | 29.32% | 26.68% | 30.18% | 30.14% | +480 bps | |