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K.C.S.E.

Keokuk, IA · Charter 64667

Q4 2006

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 2006, the quarter ended December 31, 2006, 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.C.S.E.

Keokuk, IA · Charter 64667

Q4 2006

$1.5MAssets
$1.3MLoans
$1.3MShares
$197KNet 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 0.10%, down 40 bps year over year; NIM at 3.86%.
  • Asset quality: problem loans at 0.18% of loans (+18 bps YoY).
  • Capital: net worth / assets of 13.26%, up 223 bps from a year ago.
  • Funding: loans stand at 100.81% of shares as of Q4 2006.

Financial Results

Return on Assets (YTD, annualized)

0.10%-40 bps YoY

Net Interest Margin (YTD, annualized)

3.86%+25 bps YoY

Efficiency Ratio (YTD, annualized)

97.30%+1,126 bps YoY

Net Worth / Assets

13.26%+223 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006YoY ΔTrend
Earnings
Return on Assets0.50%0.28%1.01%0.23%0.10%-40 bps
Return on Equity4.57%2.35%8.38%1.83%0.79%-379 bps
Net Interest Margin3.61%3.39%3.83%3.20%3.86%+25 bps
Efficiency Ratio86.04%91.74%73.69%92.94%97.30%+1,126 bps
Growth
Asset Growth (YoY)0.69%-9.34%-12.23%-14.50%-16.19%-1,688 bps
Loan Growth (YoY)6.93%5.05%3.79%-2.99%-10.08%-1,702 bps
Share Growth (YoY)0.23%-10.96%-14.13%-16.64%-18.39%-1,862 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.18%+18 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.75%0.77%0.80%0.80%0.86%+11 bps
Capital
Risk-Based Capital11.02%11.92%12.03%12.37%13.26%+223 bps
Net Worth / Assets11.02%11.92%12.03%12.37%13.26%+223 bps
Liquidity & Funding
Loans / Shares91.49%97.87%91.62%98.90%100.81%+931 bps
Liquid Assets / Assets18.02%13.17%0.00%0.00%0.00%-1,802 bps