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Bonner Springs

Bonner Spring, KS · Charter 152

Q3 2012

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 2012, the quarter ended September 30, 2012, 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

Bonner Springs

Bonner Spring, KS · Charter 152

Q3 2012

$2.0MAssets
$1.1MLoans
$1.8MShares
$180KNet 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 -0.56%, up 23 bps year over year; NIM at 4.48%.
  • Asset quality: problem loans at 0.77% of loans (+39 bps YoY).
  • Capital: net worth / assets of 9.16%, down 23 bps from a year ago.
  • Funding: loans stand at 64.10% of shares as of Q3 2012.

Financial Results

Return on Assets (YTD, annualized)

-0.56%+23 bps YoY

Net Interest Margin (YTD, annualized)

4.48%+18 bps YoY

Efficiency Ratio (YTD, annualized)

109.32%-576 bps YoY

Net Worth / Assets

9.16%-23 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets-0.80%0.02%0.09%-0.58%-0.56%+23 bps
Return on Equity-8.48%0.16%0.89%-6.10%-6.16%+231 bps
Net Interest Margin4.30%4.84%4.56%4.49%4.48%+18 bps
Efficiency Ratio115.08%107.14%97.77%109.87%109.32%-576 bps
Growth
Asset Growth (YoY)-4.45%-2.34%-0.88%5.04%4.37%+882 bps
Loan Growth (YoY)10.18%9.50%3.29%0.54%-2.24%-1,242 bps
Share Growth (YoY)-6.52%-2.43%-1.05%5.58%7.82%+1,434 bps
Asset Quality
Delinquent Loans / Loans0.37%0.20%0.11%0.00%0.77%+39 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.10%0.40%0.43%0.36%0.43%-67 bps
Capital
Risk-Based Capital9.39%10.44%9.71%9.49%9.16%-23 bps
Net Worth / Assets9.39%10.44%9.71%9.49%9.16%-23 bps
Liquidity & Funding
Loans / Shares70.70%74.53%65.51%67.54%64.10%-660 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps