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Kansas City P&G Employees

Kansas City, KS · Charter 63145

NCUA · 1 branch

Q1 2019

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: Q1 2019, the quarter ended March 31, 2019, 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

Kansas City P&G Employees

Kansas City, KS · Charter 63145

NCUA · 1 branch

Q1 2019

$3.5MAssets
$2.6MLoans
$2.4MShares
$1.1MNet Worth

Executive Summary

  • Earnings: ROA of -0.08%, up 5 bps year over year; NIM at 15.75%.
  • Asset quality: problem loans at 0.91% of loans (-29 bps YoY).
  • Capital: net worth / assets of 31.51%, up 583 bps from a year ago.
  • Funding: loans stand at 111.09% of shares as of Q1 2019.

Return on Assets (YTD, annualized)

-0.08%+5 bps YoY

Net Interest Margin (YTD, annualized)

15.75%+1,299 bps YoY

Efficiency Ratio (YTD, annualized)

100.38%-308 bps YoY

Net Worth / Assets

31.51%+583 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2017Q3 2017Q4 2017Q1 2018Q2 2018Q3 2018Q4 2018Q1 2019YoY ΔTrend
Earnings
Return on Assets-0.36%0.06%0.08%-0.13%0.03%0.17%-0.02%-0.08%+5 bps
Return on Equity-1.47%0.23%0.30%-0.49%0.10%0.60%-0.08%-0.26%+23 bps
Net Interest Margin2.58%2.73%2.79%2.76%2.97%3.02%2.85%15.75%+1,299 bps
Efficiency Ratio111.55%98.36%97.98%103.47%95.77%95.81%100.59%100.38%-308 bps
Growth
Asset Growth (YoY)4.01%0.54%-9.72%-8.33%-10.26%-8.45%-6.29%-18.39%-1,006 bps
Loan Growth (YoY)24.53%3.86%0.47%-6.19%-11.08%-14.72%-17.47%-16.44%-1,025 bps
Share Growth (YoY)5.19%0.61%-12.84%-11.28%-14.07%-11.71%-8.69%-24.85%-1,357 bps
Asset Quality
Delinquent Loans / Loans0.11%0.10%0.46%1.20%0.78%1.00%0.76%0.91%-29 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.18%0.18%0.14%0.15%0.12%0.17%0.20%0.21%+6 bps
Capital
Risk-Based Capital24.73%26.03%26.00%25.68%27.65%28.52%27.65%31.51%+583 bps
Net Worth / Assets24.73%26.03%26.00%25.68%27.65%28.52%27.65%31.51%+583 bps
Liquidity & Funding
Loans / Shares100.84%109.56%107.30%99.91%104.35%105.84%96.99%111.09%+1,118 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps