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Kirkwood Municipal

Kirkwood, MO · Charter 64618

Q2 2008

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 2008, the quarter ended June 30, 2008, 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

Kirkwood Municipal

Kirkwood, MO · Charter 64618

Q2 2008

$3.3MAssets
$2.6MLoans
$2.8MShares
$457KNet Worth

Executive Summary

  • Earnings: ROA of 0.53%, down 119 bps year over year; NIM at 4.06%.
  • Asset quality: problem loans at 2.50% of loans (+186 bps YoY).
  • Capital: net worth / assets of 14.03%, up 89 bps from a year ago.
  • Funding: loans stand at 95.42% of shares as of Q2 2008.

Return on Assets (YTD, annualized)

0.53%-119 bps YoY

Net Interest Margin (YTD, annualized)

4.06%-27 bps YoY

Efficiency Ratio (YTD, annualized)

80.81%+1,054 bps YoY

Net Worth / Assets

14.03%+89 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2006Q4 2006Q1 2007Q2 2007Q3 2007Q4 2007Q1 2008Q2 2008YoY ΔTrend
Earnings
Return on Assets2.26%1.96%1.52%1.73%1.85%1.62%0.89%0.53%-119 bps
Return on Equity17.26%15.02%12.02%13.13%13.85%11.53%6.49%3.80%-933 bps
Net Interest Margin4.94%4.78%4.09%4.33%4.45%4.69%4.26%4.06%-27 bps
Efficiency Ratio68.44%72.41%75.34%70.27%69.55%74.37%77.29%80.81%+1,054 bps
Growth
Asset Growth (YoY)1.01%12.44%11.48%10.96%12.20%4.84%2.51%0.24%-1,073 bps
Loan Growth (YoY)5.21%8.26%-2.42%-1.35%2.30%-1.08%4.11%5.45%+680 bps
Share Growth (YoY)-1.07%11.54%10.60%9.82%11.86%3.63%1.08%-0.91%-1,073 bps
Asset Quality
Delinquent Loans / Loans1.24%1.29%1.60%0.64%0.01%1.92%0.74%2.50%+186 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.21%0.20%0.11%0.09%0.10%0.06%0.24%0.46%+37 bps
Capital
Risk-Based Capital13.09%13.05%12.61%13.14%13.34%14.07%13.71%14.03%+89 bps
Net Worth / Assets13.09%13.05%12.61%13.14%13.34%14.07%13.71%14.03%+89 bps
Liquidity & Funding
Loans / Shares96.86%99.91%87.19%89.67%88.58%95.37%89.81%95.42%+575 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps