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F.C.S.

Floydada, TX · Charter 17696

NCUA · 1 branch

Q3 2019

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 2019, the quarter ended September 30, 2019, 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

F.C.S.

Floydada, TX · Charter 17696

NCUA · 1 branch

Q3 2019

$13.6MAssets
$6.4MLoans
$9.4MShares
$4.2MNet Worth

Executive Summary

  • Earnings: ROA of 1.37%, down 18 bps year over year; NIM at 2.79%.
  • Asset quality: problem loans at 0.83% of loans (-9 bps YoY).
  • Capital: net worth / assets of 30.71%, down 68 bps from a year ago.
  • Funding: loans stand at 68.72% of shares as of Q3 2019.

Return on Assets (YTD, annualized)

1.37%-18 bps YoY

Net Interest Margin (YTD, annualized)

2.79%-18 bps YoY

Efficiency Ratio (YTD, annualized)

47.93%+507 bps YoY

Net Worth / Assets

30.71%-68 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2017Q1 2018Q2 2018Q3 2018Q4 2018Q1 2019Q2 2019Q3 2019YoY ΔTrend
Earnings
Return on Assets1.39%1.57%1.55%1.55%1.15%1.54%1.48%1.37%-18 bps
Return on Equity4.43%5.04%4.97%4.94%3.67%4.90%4.71%4.47%-47 bps
Net Interest Margin2.79%2.91%2.93%2.97%2.63%2.93%2.90%2.79%-18 bps
Efficiency Ratio46.01%41.85%41.94%42.86%50.36%47.40%49.29%47.93%+507 bps
Growth
Asset Growth (YoY)3.14%3.91%1.84%2.08%4.07%2.68%2.64%5.73%+365 bps
Loan Growth (YoY)12.89%17.45%14.23%14.07%7.56%4.05%6.56%9.21%-486 bps
Share Growth (YoY)2.47%3.50%0.50%0.79%4.13%2.07%1.93%6.44%+566 bps
Asset Quality
Delinquent Loans / Loans1.13%0.68%1.18%0.92%1.79%1.19%0.87%0.83%-9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.26%0.21%0.22%0.36%0.36%0.32%0.14%0.29%-7 bps
Capital
Risk-Based Capital31.43%31.10%31.17%31.39%31.35%31.43%31.48%30.71%-68 bps
Net Worth / Assets31.43%31.10%31.17%31.39%31.35%31.43%31.48%30.71%-68 bps
Liquidity & Funding
Loans / Shares64.57%64.66%65.38%66.98%66.69%65.91%68.36%68.72%+174 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps