Bardstown, KY · Charter 63013
Q4 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1999, the quarter ended December 31, 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.
Bardstown, KY · Charter 63013
Q4 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 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.32% | 5.44% | 2.16% | 2.76% | -0.28% | -160 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 | 7.14% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 103.89% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -27.27% | -13.26% | -9.94% | -27.30% | -30.48% | -321 bps | |
| Loan Growth (YoY) | -8.70% | 13.18% | 32.15% | 29.01% | -13.03% | -434 bps | |
| Share Growth (YoY) | -32.17% | -16.43% | -12.20% | -35.32% | -40.11% | -795 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 21.78% | 23.32% | 28.44% | 17.65% | 25.48% | +369 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 27.11% | 28.29% | 27.03% | 19.43% | 25.48% | -164 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 | 45.89% | 46.40% | 49.76% | 77.85% | 66.64% | +2,075 bps | |
| Liquid Assets / Assets | 62.68% | 63.96% | 64.26% | 34.86% | 34.62% | -2,806 bps | |