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Kimcentral

Neenah, WI · Charter 66657

NCUA · 3 branches

Q4 2018

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 2018, the quarter ended December 31, 2018, 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

Kimcentral

Neenah, WI · Charter 66657

NCUA · 3 branches

Q4 2018

$72.5MAssets
$32.6MLoans
$63.2MShares
$8.8MNet Worth

Executive Summary

  • Earnings: ROA of -0.03%, down 91 bps year over year; NIM at 2.93%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 12.20%, down 927 bps from a year ago.
  • Funding: loans stand at 51.49% of shares as of Q4 2018.

Return on Assets (YTD, annualized)

-0.03%-91 bps YoY

Net Interest Margin (YTD, annualized)

2.93%+15 bps YoY

Efficiency Ratio (YTD, annualized)

101.27%+2,979 bps YoY

Net Worth / Assets

12.20%-927 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2017Q2 2017Q3 2017Q4 2017Q1 2018Q2 2018Q3 2018Q4 2018YoY ΔTrend
Earnings
Return on Assets1.02%0.99%1.00%0.87%0.90%0.92%1.15%-0.03%-91 bps
Return on Equity5.08%4.82%4.76%4.07%4.22%4.42%5.25%-0.27%-434 bps
Net Interest Margin2.63%2.67%2.73%2.78%2.73%2.64%2.75%2.93%+15 bps
Efficiency Ratio66.87%68.48%68.33%71.47%71.29%69.73%64.77%101.27%+2,979 bps
Growth
Asset Growth (YoY)1.97%-0.85%-0.70%-0.96%-2.79%2.88%1.00%-3.14%-218 bps
Loan Growth (YoY)6.08%8.32%5.67%4.52%2.57%-0.48%1.20%-3.84%-837 bps
Share Growth (YoY)3.07%-1.50%-1.25%-2.32%-4.01%3.52%0.75%8.53%+1,085 bps
Asset Quality
Delinquent Loans / Loans0.06%0.04%0.00%0.00%0.00%0.00%0.03%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.79%0.74%0.75%0.74%0.72%0.72%0.73%0.72%-1 bps
Capital
Risk-Based Capital20.00%20.53%21.11%21.48%21.40%20.75%21.87%12.20%-927 bps
Net Worth / Assets20.00%20.53%21.11%21.48%21.40%20.75%21.87%12.20%-927 bps
Liquidity & Funding
Loans / Shares53.46%56.15%55.90%58.11%57.12%53.98%56.15%51.49%-663 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps