Fulton, KY · Charter 62785
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
Fulton, KY · Charter 62785
Q1 2007
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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -10.38% | -4.91% | 0.22% | 0.74% | 2.88% | +1,326 bps | |
| Return on Equity | -85.54% | -41.35% | 1.53% | 4.94% | 18.89% | +10,443 bps | |
| Net Interest Margin | 8.02% | 7.41% | 7.83% | 7.51% | 6.74% | -127 bps | |
| Efficiency Ratio | 60.98% | 53.04% | 51.78% | 60.56% | 58.55% | -243 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.84% | -6.77% | -4.32% | 2.44% | 7.38% | +1,822 bps | |
| Loan Growth (YoY) | -24.70% | -20.35% | -15.77% | -14.42% | 1.41% | +2,611 bps | |
| Share Growth (YoY) | -7.55% | -0.24% | -6.33% | 1.45% | 4.20% | +1,175 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.74% | 8.78% | 5.84% | 1.62% | 5.95% | -79 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 11.32% | 10.98% | 7.51% | 7.06% | 7.37% | -396 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.14% | 11.88% | 14.67% | 15.05% | 15.25% | +311 bps | |
| Net Worth / Assets | 12.14% | 11.88% | 14.67% | 15.05% | 15.25% | +311 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.01% | 49.80% | 54.66% | 52.61% | 51.59% | -142 bps | |
| Liquid Assets / Assets | 57.23% | 0.00% | 0.00% | 0.00% | 0.00% | -5,723 bps | |