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Kalamazoo District Bell

Kalamazoo, MI · Charter 4103

Q3 2014

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 2014, the quarter ended September 30, 2014, 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

Kalamazoo District Bell

Kalamazoo, MI · Charter 4103

Q3 2014

$65.4MAssets
$27.9MLoans
$54.8MShares
$10.3MNet 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 -0.23%, down 67 bps year over year; NIM at 2.30%.
  • Asset quality: problem loans at 0.07% of loans (-42 bps YoY).
  • Capital: net worth / assets of 15.76%, down 238 bps from a year ago.
  • Funding: loans stand at 50.97% of shares as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

-0.23%-67 bps YoY

Net Interest Margin (YTD, annualized)

2.30%-15 bps YoY

Efficiency Ratio (YTD, annualized)

106.02%+2,311 bps YoY

Net Worth / Assets

15.76%-238 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets0.44%0.50%0.49%0.68%-0.23%-67 bps
Return on Equity2.41%2.72%2.69%3.63%-1.45%-387 bps
Net Interest Margin2.45%2.49%2.14%2.21%2.30%-15 bps
Efficiency Ratio82.91%81.19%79.87%73.64%106.02%+2,311 bps
Growth
Asset Growth (YoY)1.07%2.42%0.32%-1.90%-4.74%-582 bps
Loan Growth (YoY)1.10%2.39%-0.40%3.55%-1.64%-275 bps
Share Growth (YoY)0.71%1.98%-0.52%-0.93%0.08%-63 bps
Asset Quality
Delinquent Loans / Loans0.49%0.48%0.77%0.46%0.07%-42 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.54%0.55%0.59%0.58%0.61%+6 bps
Capital
Risk-Based Capital18.14%18.31%18.15%18.83%15.76%-238 bps
Net Worth / Assets18.14%18.31%18.15%18.83%15.76%-238 bps
Liquidity & Funding
Loans / Shares51.87%52.24%49.56%51.39%50.97%-89 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps