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K C

St. Paul, MN · Charter 65012

Q2 1999

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 1999, the quarter ended June 30, 1999, 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

St. Paul, MN · Charter 65012

Q2 1999

$328KAssets
$167KLoans
$235KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 0.51%, down 281 bps year over year.
  • Asset quality: problem loans at 39.52% of loans (+2,897 bps YoY).
  • Funding: loans stand at 71.01% of shares as of Q2 1999.

Return on Assets (YTD, annualized)

0.51%-281 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets3.42%4.10%3.12%3.32%3.40%3.73%2.30%0.51%-281 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/a-7.05%-6.94%1.40%-3.70%-0.47%-2.39%-5.42%-682 bps
Loan Growth (YoY)n/a27.31%7.40%24.97%5.84%-8.94%-30.45%-44.80%-6,977 bps
Share Growth (YoY)n/a-10.76%-11.58%-1.87%-8.44%-3.90%-5.87%-7.85%-597 bps
Asset Quality
Delinquent Loans / Loans17.13%9.17%8.21%10.55%6.97%6.95%21.58%39.52%+2,897 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans5.54%4.76%4.50%4.23%5.24%5.42%7.77%7.29%+307 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares83.36%101.30%102.23%118.56%96.36%95.99%75.53%71.01%-4,755 bps
Liquid Assets / Assets30.84%20.34%20.56%5.97%6.12%28.71%30.59%32.30%+2,634 bps