PackageTrendsPeer
Letter portraitLegal landscape

Kato Engineering Employees

N. Mankato, MN · Charter 63668

Q4 2011

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 2011, the quarter ended December 31, 2011, 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

Kato Engineering Employees

N. Mankato, MN · Charter 63668

Q4 2011

$2.3MAssets
$1.4MLoans
$2.1MShares
$208KNet 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 -10.35%, down 856 bps year over year; NIM at -0.44%.
  • Asset quality: problem loans at 0.00% of loans (-57 bps YoY).
  • Capital: net worth / assets of 9.06%, down 820 bps from a year ago.
  • Funding: loans stand at 64.80% of shares as of Q4 2011.

Financial Results

Return on Assets (YTD, annualized)

-10.35%-856 bps YoY

Net Interest Margin (YTD, annualized)

-0.44%-351 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

9.06%-820 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2010Q1 2011Q2 2011Q3 2011Q4 2011YoY ΔTrend
Earnings
Return on Assets-1.79%-1.32%-1.91%-2.07%-10.35%-856 bps
Return on Equity-10.37%-8.06%-11.86%-13.45%-114.18%-10,380 bps
Net Interest Margin3.08%3.11%3.05%3.04%-0.44%-351 bps
Efficiency Ratio147.96%122.72%147.42%157.59%n/an/a
Growth
Asset Growth (YoY)-6.38%-4.79%-3.11%-0.56%-13.32%-694 bps
Loan Growth (YoY)1.94%-1.51%-2.52%10.32%-0.53%-247 bps
Share Growth (YoY)-5.04%-2.74%-0.54%3.20%-4.52%+52 bps
Asset Quality
Delinquent Loans / Loans0.57%0.00%0.00%0.00%0.00%-57 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.56%0.47%0.59%0.53%2.40%+184 bps
Capital
Risk-Based Capital17.27%16.38%16.12%15.41%9.06%-820 bps
Net Worth / Assets17.27%16.38%16.12%15.41%9.06%-820 bps
Liquidity & Funding
Loans / Shares62.20%56.26%58.02%63.58%64.80%+260 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps