Louisville, KY · Charter 62575
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.
Louisville, KY · Charter 62575
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 | 1.07% | 0.07% | 0.07% | 0.06% | -1.02% | -209 bps | |
| Return on Equity | n/a | n/a | n/a | 0.24% | -4.34% | n/a | |
| Net Interest Margin | n/a | 6.86% | 7.69% | 8.27% | 5.96% | n/a | |
| Efficiency Ratio | n/a | 99.00% | 99.10% | 99.26% | 116.77% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -12.20% | -16.62% | -37.85% | -35.17% | -28.55% | -1,635 bps | |
| Loan Growth (YoY) | -18.61% | -18.17% | -23.64% | -17.04% | -24.59% | -598 bps | |
| Share Growth (YoY) | -13.81% | -19.81% | -44.40% | -41.94% | -34.73% | -2,091 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.67% | 6.56% | 6.08% | 5.38% | 6.44% | +277 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.45% | 3.76% | 3.35% | 3.19% | 4.33% | +88 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 25.81% | 23.52% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 25.81% | 23.52% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.42% | 80.45% | 108.07% | 129.96% | 87.13% | +1,171 bps | |
| Liquid Assets / Assets | 30.46% | 0.00% | 5.99% | 5.25% | 27.33% | -313 bps | |