Dothan, AL · Charter 13228
NCUA · 3 branches
Q4 2018
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Dothan, AL · Charter 13228
NCUA · 3 branches
Q4 2018
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 0.93% | 0.97% | 0.92% | 0.86% | 0.80% | 0.76% | 0.60% | -32 bps | |
| Return on Equity | 11.41% | 10.33% | 10.34% | 9.66% | 9.25% | 8.41% | 7.70% | 6.30% | -336 bps | |
| Net Interest Margin | 4.01% | 4.03% | 4.17% | 4.20% | 3.97% | 4.04% | 4.08% | 3.93% | -27 bps | |
| Efficiency Ratio | 79.25% | 78.11% | 76.62% | 76.30% | 75.20% | 75.93% | 76.22% | 79.08% | +278 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.30% | 8.73% | 3.74% | 4.43% | 6.27% | 2.70% | 3.07% | 6.59% | +216 bps | |
| Loan Growth (YoY) | 5.25% | 10.21% | 6.78% | 6.02% | 2.04% | -0.52% | -1.17% | -2.28% | -829 bps | |
| Share Growth (YoY) | 3.95% | 8.82% | 3.12% | 3.82% | 5.94% | 1.98% | 2.50% | 6.41% | +259 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.84% | 0.94% | 1.06% | 1.88% | 1.67% | 1.12% | 1.11% | 1.13% | -75 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.53% | 0.57% | 0.62% | 0.63% | 0.79% | 0.79% | 0.80% | 0.78% | +15 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.95% | 8.96% | 9.34% | 9.52% | 9.27% | 9.56% | 9.82% | 9.53% | +1 bps | |
| Net Worth / Assets | 8.95% | 8.96% | 9.34% | 9.52% | 9.27% | 9.56% | 9.82% | 9.53% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.45% | 91.66% | 93.39% | 93.31% | 88.08% | 89.42% | 90.04% | 85.69% | -762 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |