Topeka, KS · Charter 65999
Q3 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 1999, the quarter ended September 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 65999
Q3 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 | Q3 1998 | Q4 1998 | Q1 1999 | Q2 1999 | Q3 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.75% | 0.17% | 3.18% | -25.38% | -24.06% | -2,581 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 | 5.30% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 89.72% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 12.28% | 4.23% | -1.36% | -17.50% | -25.38% | -3,766 bps | |
| Loan Growth (YoY) | 13.14% | 1.26% | -2.89% | -12.73% | -27.33% | -4,047 bps | |
| Share Growth (YoY) | 15.91% | 9.92% | 3.29% | -0.15% | -10.94% | -2,685 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.29% | 1.92% | 2.17% | 6.44% | 0.98% | -132 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.86% | 3.05% | 3.45% | 18.25% | 8.86% | +600 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 | 94.93% | 88.51% | 86.92% | 84.82% | 77.47% | -1,747 bps | |
| Liquid Assets / Assets | 5.19% | 7.59% | 10.89% | 13.79% | 9.64% | +445 bps | |