PackageTrendsPeer
Letter portraitLegal landscape

Ark City Teachers

Arkansas City, KS · Charter 67826

NCUA · 1 branch

Q2 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: Q2 2018, the quarter ended June 30, 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

Ark City Teachers

Arkansas City, KS · Charter 67826

NCUA · 1 branch

Q2 2018

$3.0MAssets
$1.3MLoans
$4.0MShares
$-1013KNet Worth

Executive Summary

  • Earnings: ROA of -91.54%, down 9,185 bps year over year; NIM at 2.43%.
  • Asset quality: problem loans at 7.02% of loans (+590 bps YoY).
  • Capital: net worth / assets of -33.82%, down 4,362 bps from a year ago.
  • Funding: loans stand at 33.26% of shares as of Q2 2018.

Return on Assets (YTD, annualized)

-91.54%-9,185 bps YoY

Net Interest Margin (YTD, annualized)

2.43%-34 bps YoY

Efficiency Ratio (YTD, annualized)

2686%+261,283 bps YoY

Net Worth / Assets

-33.82%-4,362 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017Q4 2017Q1 2018Q2 2018YoY ΔTrend
Earnings
Return on Assets0.02%0.29%0.44%0.31%0.22%0.22%0.24%-91.54%-9,185 bps
Return on Equity0.17%2.95%4.37%3.18%2.12%2.12%2.27%n/an/a
Net Interest Margin2.99%3.11%2.77%2.77%2.73%2.65%2.33%2.43%-34 bps
Efficiency Ratio66.13%66.05%75.94%72.80%76.31%77.61%89.63%2686%+261,283 bps
Growth
Asset Growth (YoY)-6.64%-4.51%-5.34%-5.75%-6.95%-3.51%-3.54%-17.52%-1,177 bps
Loan Growth (YoY)1.18%0.05%4.24%-0.01%-4.51%-5.68%-5.38%-32.89%-3,287 bps
Share Growth (YoY)-7.30%-5.26%-6.28%-6.75%-8.11%-4.12%-4.13%22.36%+2,912 bps
Asset Quality
Delinquent Loans / Loans1.09%1.09%1.68%1.12%0.65%1.03%0.65%7.02%+590 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.12%1.46%1.35%1.17%1.11%1.22%1.35%0.48%-69 bps
Capital
Risk-Based Capital9.12%9.65%10.08%9.80%10.24%10.22%10.62%-33.82%-4,362 bps
Net Worth / Assets9.12%9.65%10.08%9.80%10.24%10.22%10.62%-33.82%-4,362 bps
Liquidity & Funding
Loans / Shares61.69%64.16%64.94%60.63%64.10%63.12%64.09%33.26%-2,738 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps