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Kilgore Ceramics

Kilgore, TX · Charter 21760

Q4 2002

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 2002, the quarter ended December 31, 2002, 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

Kilgore Ceramics

Kilgore, TX · Charter 21760

Q4 2002

$433KAssets
$133KLoans
$328KShares
$105KNet 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 -3.94%, down 410 bps year over year; NIM at 3.13%.
  • Asset quality: problem loans at 52.51% of loans (+4,803 bps YoY).
  • Capital: net worth / assets of 24.21%, up 150 bps from a year ago.
  • Funding: loans stand at 40.38% of shares as of Q4 2002.

Financial Results

Return on Assets (YTD, annualized)

-3.94%-410 bps YoY

Net Interest Margin (YTD, annualized)

3.13%-172 bps YoY

Efficiency Ratio (YTD, annualized)

224%+12,665 bps YoY

Net Worth / Assets

24.21%+150 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2001Q4 2001Q2 2002Q3 2002Q4 2002YoY ΔTrend
Earnings
Return on Assets0.15%0.15%-5.13%-4.00%-3.94%-410 bps
Return on Equity0.66%0.66%-24.36%-17.83%-16.29%-1,696 bps
Net Interest Margin4.85%2.50%2.64%3.24%3.13%-172 bps
Efficiency Ratio97.08%94.32%288%221%224%+12,665 bps
Growth
Asset Growth (YoY)-7.57%-1.39%-5.55%-12.88%-19.55%-1,198 bps
Loan Growth (YoY)-26.41%-14.55%-26.70%-7.37%-45.72%-1,932 bps
Share Growth (YoY)-10.40%-1.57%-5.63%-13.00%-19.09%-868 bps
Asset Quality
Delinquent Loans / Loans4.47%4.11%7.66%10.90%52.51%+4,803 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans5.95%5.95%7.91%8.88%8.97%+302 bps
Capital
Risk-Based Capital22.71%22.77%21.07%22.44%24.21%+150 bps
Net Worth / Assets22.71%22.77%21.07%22.44%24.21%+150 bps
Liquidity & Funding
Loans / Shares60.20%60.20%46.94%44.99%40.38%-1,982 bps
Liquid Assets / Assets53.50%53.53%64.78%66.32%55.27%+177 bps