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L.M.P.C.O. Employees Credit Assn.

Lexington, TN · Charter 68070

Q4 2011

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2011, the quarter ended December 31, 2011, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

L.M.P.C.O. Employees Credit Assn.

Lexington, TN · Charter 68070

Q4 2011

$386KAssets
$340KLoans
$254KShares
$128KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -3.70%, up 157 bps year over year; NIM at 7.10%.
  • Asset quality: problem loans at 7.80% of loans (-59 bps YoY).
  • Capital: net worth / assets of 33.26%, down 247 bps from a year ago.
  • Funding: loans stand at 133.77% of shares as of Q4 2011.

Financial Results

Return on Assets (YTD, annualized)

-3.70%+157 bps YoY

Net Interest Margin (YTD, annualized)

7.10%-53 bps YoY

Efficiency Ratio (YTD, annualized)

140.67%+1,616 bps YoY

Net Worth / Assets

33.26%-247 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2010Q1 2011Q2 2011Q3 2011Q4 2011YoY ΔTrend
Earnings
Return on Assets-5.27%-4.76%-4.40%-3.78%-3.70%+157 bps
Return on Equity-14.75%-14.00%-13.41%-12.38%-11.13%+361 bps
Net Interest Margin7.62%5.75%5.72%5.91%7.10%-53 bps
Efficiency Ratio124.51%173.36%163.45%152.58%140.67%+1,616 bps
Growth
Asset Growth (YoY)-14.14%-13.45%-8.49%0.46%-8.24%+590 bps
Loan Growth (YoY)-16.53%-35.53%-31.70%-11.21%29.83%+4,637 bps
Share Growth (YoY)-12.59%-9.77%-1.76%14.59%-5.05%+754 bps
Asset Quality
Delinquent Loans / Loans8.39%2.31%13.40%11.01%7.80%-59 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans13.47%21.72%19.45%15.24%13.15%-32 bps
Capital
Risk-Based Capital35.73%34.00%32.85%30.48%33.26%-247 bps
Net Worth / Assets35.73%34.00%32.85%30.48%33.26%-247 bps
Liquidity & Funding
Loans / Shares97.83%78.40%87.43%97.91%133.77%+3,594 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps