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Doco School Employees

Albany, GA · Charter 12999

Q3 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: Q3 2011, the quarter ended September 30, 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

Doco School Employees

Albany, GA · Charter 12999

Q3 2011

$173.8MAssets
$111.4MLoans
$156.4MShares
$16.7MNet Worth

Executive Summary

  • Earnings: ROA of 1.71%, down 91 bps year over year; NIM at 3.86%.
  • Asset quality: problem loans at 1.11% of loans (+34 bps YoY).
  • Capital: net worth / assets of 9.63%, up 106 bps from a year ago.
  • Funding: loans stand at 71.22% of shares as of Q3 2011.

Return on Assets (YTD, annualized)

1.71%-91 bps YoY

Net Interest Margin (YTD, annualized)

3.86%-37 bps YoY

Efficiency Ratio (YTD, annualized)

75.92%+167 bps YoY

Net Worth / Assets

9.63%+106 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q3 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets0.15%-0.05%0.50%2.62%1.85%1.67%1.63%1.71%-91 bps
Return on Equity1.75%-0.63%5.98%30.55%19.73%17.76%17.04%17.72%-1,282 bps
Net Interest Margin4.84%4.80%4.66%4.23%4.60%4.01%3.97%3.86%-37 bps
Efficiency Ratio73.32%66.26%68.26%74.26%73.79%74.15%75.96%75.92%+167 bps
Growth
Asset Growth (YoY)1.82%13.62%17.44%17.42%12.95%17.07%17.77%16.88%-55 bps
Loan Growth (YoY)13.14%12.38%6.38%6.77%4.49%4.68%8.93%6.97%+21 bps
Share Growth (YoY)3.13%16.47%25.42%16.67%12.87%16.37%16.91%17.22%+55 bps
Asset Quality
Delinquent Loans / Loans1.45%1.24%1.57%0.77%1.14%2.27%2.40%1.11%+34 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.38%2.93%2.53%1.92%1.54%1.30%1.13%0.80%-112 bps
Capital
Risk-Based Capital8.57%7.96%8.35%8.58%9.38%9.37%9.55%9.63%+106 bps
Net Worth / Assets8.57%7.96%8.35%8.58%9.38%9.37%9.55%9.63%+106 bps
Liquidity & Funding
Loans / Shares86.13%83.36%81.41%78.04%79.73%74.99%75.86%71.22%-682 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps