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Kyle Central

South Milwaukee, WI · Charter 67258

Q4 2011

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 2011, the quarter ended December 31, 2011, 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

Kyle Central

South Milwaukee, WI · Charter 67258

Q4 2011

$12.0MAssets
$5.0MLoans
$10.5MShares
$1.5MNet 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 -1.35%, down 84 bps year over year; NIM at 3.06%.
  • Asset quality: problem loans at 0.89% of loans (+8 bps YoY).
  • Capital: net worth / assets of 12.33%, down 193 bps from a year ago.
  • Funding: loans stand at 47.61% of shares as of Q4 2011.

Financial Results

Return on Assets (YTD, annualized)

-1.35%-84 bps YoY

Net Interest Margin (YTD, annualized)

3.06%-55 bps YoY

Efficiency Ratio (YTD, annualized)

131.08%+2,782 bps YoY

Net Worth / Assets

12.33%-193 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2010Q1 2011Q2 2011Q3 2011Q4 2011YoY ΔTrend
Earnings
Return on Assets-0.51%-0.85%-0.94%-1.29%-1.35%-84 bps
Return on Equity-3.57%-6.18%-7.12%-10.25%-10.92%-735 bps
Net Interest Margin3.61%3.16%3.07%3.04%3.06%-55 bps
Efficiency Ratio103.25%116.17%114.51%127.23%131.08%+2,782 bps
Growth
Asset Growth (YoY)5.59%4.10%11.68%6.70%2.20%-340 bps
Loan Growth (YoY)-11.06%-21.26%-16.64%-13.29%-13.95%-289 bps
Share Growth (YoY)7.13%5.12%15.11%9.39%4.17%-296 bps
Asset Quality
Delinquent Loans / Loans0.81%0.45%1.17%1.48%0.89%+8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.91%0.93%1.19%1.20%0.83%-8 bps
Capital
Risk-Based Capital14.25%13.78%13.13%12.57%12.33%-193 bps
Net Worth / Assets14.25%13.78%13.13%12.57%12.33%-193 bps
Liquidity & Funding
Loans / Shares57.64%51.22%50.82%49.54%47.61%-1,003 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps