Paducah, KY · Charter 9913
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 2014, 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.
Paducah, KY · Charter 9913
Q1 2014
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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.70% | 0.91% | 1.18% | 1.14% | 1.42% | +72 bps | |
| Return on Equity | 7.34% | 9.35% | 11.78% | 11.28% | 13.64% | +630 bps | |
| Net Interest Margin | 3.75% | 3.51% | 3.57% | 3.49% | 3.73% | -2 bps | |
| Efficiency Ratio | 59.16% | 63.37% | 61.05% | 61.48% | 57.95% | -121 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.41% | 0.07% | -0.62% | 3.09% | 2.32% | -9 bps | |
| Loan Growth (YoY) | 6.85% | 1.79% | 2.20% | 1.83% | 3.81% | -304 bps | |
| Share Growth (YoY) | 1.58% | -0.98% | -1.85% | 2.41% | 1.40% | -17 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.03% | 10.65% | 9.30% | 10.76% | 4.82% | +179 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.00% | 2.02% | 1.92% | 1.97% | 1.98% | -2 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.58% | 9.76% | 10.01% | 10.08% | 10.42% | +84 bps | |
| Net Worth / Assets | 9.58% | 9.76% | 10.01% | 10.08% | 10.42% | +84 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.05% | 71.63% | 75.40% | 73.48% | 74.79% | +173 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |