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K-J

Sheboygan Falls, WI · Charter 66645

Q4 2002

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 2002, the quarter ended December 31, 2002, 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-J

Sheboygan Falls, WI · Charter 66645

Q4 2002

$1.1MAssets
$282KLoans
$956KShares
$96KNet 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 -1.32%, down 156 bps year over year; NIM at 1.96%.
  • Asset quality: problem loans at 2.87% of loans (+59 bps YoY).
  • Capital: net worth / assets of 9.10%, down 139 bps from a year ago.
  • Funding: loans stand at 29.51% of shares as of Q4 2002.

Financial Results

Return on Assets (YTD, annualized)

-1.32%-156 bps YoY

Net Interest Margin (YTD, annualized)

1.96%-87 bps YoY

Efficiency Ratio (YTD, annualized)

134.71%+4,480 bps YoY

Net Worth / Assets

9.10%-139 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2001Q4 2001Q2 2002Q3 2002Q4 2002YoY ΔTrend
Earnings
Return on Assets0.24%-0.17%-0.74%-1.28%-1.32%-156 bps
Return on Equity2.26%-1.63%-8.67%-16.32%-14.49%-1,675 bps
Net Interest Margin2.82%2.42%1.56%1.59%1.96%-87 bps
Efficiency Ratio89.90%104.44%141.88%135.88%134.71%+4,480 bps
Growth
Asset Growth (YoY)14.69%25.82%25.13%30.44%-2.09%-1,677 bps
Loan Growth (YoY)25.15%17.21%-17.18%-31.92%-40.26%-6,541 bps
Share Growth (YoY)14.74%28.48%28.17%36.23%-0.59%-1,534 bps
Asset Quality
Delinquent Loans / Loans2.29%3.12%3.11%3.58%2.87%+59 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.97%0.73%0.68%1.00%1.23%+26 bps
Capital
Risk-Based Capital10.49%10.17%8.56%7.83%9.10%-139 bps
Net Worth / Assets10.49%10.17%8.56%7.83%9.10%-139 bps
Liquidity & Funding
Loans / Shares49.10%47.34%35.65%29.36%29.51%-1,959 bps
Liquid Assets / Assets54.76%56.19%66.02%71.61%71.82%+1,705 bps