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K.A.W.A.

Lexington, KY · Charter 62489

Q3 2003

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 2003, the quarter ended September 30, 2003, 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

K.A.W.A.

Lexington, KY · Charter 62489

Q3 2003

$388KAssets
$335KLoans
$342KShares
$45KNet 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 -4.71%, down 514 bps year over year; NIM at 7.76%.
  • Asset quality: problem loans at 3.07% of loans (-141 bps YoY).
  • Capital: net worth / assets of 11.48%, down 136 bps from a year ago.
  • Funding: loans stand at 98.03% of shares as of Q3 2003.

Financial Results

Return on Assets (YTD, annualized)

-4.71%-514 bps YoY

Net Interest Margin (YTD, annualized)

7.76%+254 bps YoY

Efficiency Ratio (YTD, annualized)

81.61%+716 bps YoY

Net Worth / Assets

11.48%-136 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2002Q4 2002Q1 2003Q2 2003Q3 2003YoY ΔTrend
Earnings
Return on Assets0.42%-2.04%-4.50%-6.36%-4.71%-514 bps
Return on Equity3.30%-15.65%-38.93%-62.70%-41.07%-4,437 bps
Net Interest Margin5.23%6.20%6.31%7.09%7.76%+254 bps
Efficiency Ratio74.46%75.94%77.06%76.54%81.61%+716 bps
Growth
Asset Growth (YoY)51.93%-15.75%-13.33%-27.45%-27.89%-7,982 bps
Loan Growth (YoY)9.12%3.81%2.51%-8.30%-6.76%-1,588 bps
Share Growth (YoY)63.02%-15.91%-11.92%-26.45%-26.95%-8,997 bps
Asset Quality
Delinquent Loans / Loans4.48%2.10%2.64%1.78%3.07%-141 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.73%0.95%2.97%4.44%5.40%+267 bps
Capital
Risk-Based Capital12.84%13.02%11.55%10.14%11.48%-136 bps
Net Worth / Assets12.84%13.02%11.55%10.14%11.48%-136 bps
Liquidity & Funding
Loans / Shares76.80%98.86%90.25%87.38%98.03%+2,123 bps
Liquid Assets / Assets32.91%12.85%20.08%22.21%15.25%-1,766 bps