Lexington, KY · Charter 695
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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.
Lexington, KY · Charter 695
Q2 2006
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 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.65% | 1.66% | 1.36% | 0.57% | 0.29% | -137 bps | |
| Return on Equity | 12.20% | 11.33% | 9.24% | 3.86% | 1.93% | -1,027 bps | |
| Net Interest Margin | 3.36% | 3.65% | 3.42% | 2.89% | 2.67% | -69 bps | |
| Efficiency Ratio | 50.13% | 54.35% | 57.59% | 48.91% | 56.28% | +615 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.90% | -13.07% | -11.50% | -10.86% | -4.58% | +132 bps | |
| Loan Growth (YoY) | -6.54% | -4.21% | -2.27% | -1.28% | 0.42% | +696 bps | |
| Share Growth (YoY) | -7.94% | -16.14% | -14.63% | -13.77% | -6.30% | +164 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.24% | 1.60% | 2.13% | 1.26% | 1.34% | +10 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.13% | 0.10% | 0.19% | 0.34% | 0.64% | +51 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.55% | 14.63% | 14.72% | 14.83% | 14.83% | +128 bps | |
| Net Worth / Assets | 13.55% | 14.63% | 14.72% | 14.83% | 14.83% | +128 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.03% | 89.66% | 90.27% | 87.63% | 87.91% | +588 bps | |
| Liquid Assets / Assets | 27.09% | 21.19% | 17.14% | 23.73% | 0.00% | -2,709 bps | |