Lawrence, KS · Charter 67943
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.
Lawrence, KS · Charter 67943
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 | 4.04% | 3.73% | 3.33% | 3.78% | 1.17% | -288 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 | 4.25% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 74.26% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 36.01% | 22.81% | 48.23% | 33.78% | 33.31% | -270 bps | |
| Loan Growth (YoY) | 0.59% | -4.14% | -5.28% | -14.13% | -0.86% | -146 bps | |
| Share Growth (YoY) | 36.89% | 23.15% | 50.81% | 35.19% | 36.00% | -89 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.98% | 1.20% | 4.76% | 0.78% | 9.48% | +850 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.17% | 1.23% | 1.21% | 0.30% | 0.37% | -80 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 | 79.01% | 69.85% | 62.08% | 57.46% | 57.59% | -2,142 bps | |
| Liquid Assets / Assets | 26.44% | 27.73% | 18.69% | 36.73% | 0.00% | -2,644 bps | |