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Lincoln City

Houston, TX · Charter 68175

Q3 2013

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: Q3 2013, the quarter ended September 30, 2013, 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

Lincoln City

Houston, TX · Charter 68175

Q3 2013

$109KAssets
$38KLoans
$100KShares
$7KNet 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 -35.42%, down 3,729 bps year over year; NIM at 5.85%.
  • Asset quality: problem loans at 35.17% of loans (+1,279 bps YoY).
  • Capital: net worth / assets of 6.73%, down 1,673 bps from a year ago.
  • Funding: loans stand at 38.13% of shares as of Q3 2013.

Financial Results

Return on Assets (YTD, annualized)

-35.42%-3,729 bps YoY

Net Interest Margin (YTD, annualized)

5.85%+2 bps YoY

Efficiency Ratio (YTD, annualized)

188.87%+11,567 bps YoY

Net Worth / Assets

6.73%-1,673 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets1.86%1.85%-82.38%-45.27%-35.42%-3,729 bps
Return on Equity7.94%7.79%-1073%-480%-526%-53,411 bps
Net Interest Margin5.83%5.71%3.86%6.95%5.85%+2 bps
Efficiency Ratio73.20%72.84%302%138.10%188.87%+11,567 bps
Growth
Asset Growth (YoY)2.82%-5.79%-21.24%-30.09%-29.09%-3,191 bps
Loan Growth (YoY)-2.78%-5.78%-15.16%-45.92%-51.59%-4,882 bps
Share Growth (YoY)0.78%-9.42%-8.97%-19.82%-14.74%-1,552 bps
Asset Quality
Delinquent Loans / Loans22.38%12.19%58.46%10.80%35.17%+1,279 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans10.30%10.24%45.78%58.75%68.58%+5,828 bps
Capital
Risk-Based Capital23.46%23.82%7.68%9.42%6.73%-1,673 bps
Net Worth / Assets23.46%23.82%7.68%9.42%6.73%-1,673 bps
Liquidity & Funding
Loans / Shares67.16%67.53%60.02%43.33%38.13%-2,903 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps