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Kaw Gas

Oiverland Park, KS · Charter 63066

Q2 2007

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: Q2 2007, the quarter ended June 30, 2007, 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

Kaw Gas

Oiverland Park, KS · Charter 63066

Q2 2007

$1.4MAssets
$1.2MLoans
$1.3MShares
$102KNet 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 -4.06%, up 20 bps year over year; NIM at 7.27%.
  • Asset quality: problem loans at 14.58% of loans (+300 bps YoY).
  • Capital: net worth / assets of 7.24%, down 323 bps from a year ago.
  • Funding: loans stand at 90.73% of shares as of Q2 2007.

Financial Results

Return on Assets (YTD, annualized)

-4.06%+20 bps YoY

Net Interest Margin (YTD, annualized)

7.27%-124 bps YoY

Efficiency Ratio (YTD, annualized)

82.20%+1,672 bps YoY

Net Worth / Assets

7.24%-323 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets-4.26%-7.41%-5.47%-7.88%-4.06%+20 bps
Return on Equity-40.74%-92.48%-63.16%-117.22%-56.09%-1,534 bps
Net Interest Margin8.51%8.91%8.89%8.17%7.27%-124 bps
Efficiency Ratio65.48%65.06%66.65%73.41%82.20%+1,672 bps
Growth
Asset Growth (YoY)-11.80%-20.36%-14.72%-11.37%-16.71%-491 bps
Loan Growth (YoY)-19.93%-22.59%-24.71%-21.18%-20.75%-82 bps
Share Growth (YoY)-8.61%-16.36%-10.55%-7.57%-13.69%-508 bps
Asset Quality
Delinquent Loans / Loans11.58%8.15%12.15%13.71%14.58%+300 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans6.00%5.18%6.06%7.47%7.79%+180 bps
Capital
Risk-Based Capital10.47%8.01%8.67%6.72%7.24%-323 bps
Net Worth / Assets10.47%8.01%8.67%6.72%7.24%-323 bps
Liquidity & Funding
Loans / Shares98.81%93.76%95.04%86.72%90.73%-808 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps