Topeka, KS · Charter 63305
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.
Topeka, KS · Charter 63305
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 | 3.27% | 3.37% | 3.15% | 3.35% | 3.23% | -4 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) | -3.76% | -9.59% | -11.71% | -14.87% | -14.20% | -1,044 bps | |
| Loan Growth (YoY) | -12.30% | -23.45% | -32.97% | -34.13% | -34.10% | -2,180 bps | |
| Share Growth (YoY) | -6.82% | -13.71% | -16.17% | -20.37% | -19.32% | -1,250 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.60% | 1.66% | 1.36% | 1.22% | 0.87% | -73 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.37% | 0.44% | 0.41% | 0.46% | 0.51% | +14 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 | 85.30% | 94.44% | 82.36% | 78.46% | 69.68% | -1,563 bps | |
| Liquid Assets / Assets | 29.37% | 24.90% | 34.47% | 38.88% | 45.32% | +1,596 bps | |