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Employees Savings

Montgomery, AL · Charter 64631

Q3 2014

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 2014, the quarter ended September 30, 2014, 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

Employees Savings

Montgomery, AL · Charter 64631

Q3 2014

$1.9MAssets
$544KLoans
$1.9MShares
$0KNet Worth

Executive Summary

  • Earnings: ROA of -0.50%, down 114 bps year over year; NIM at 1.23%.
  • Asset quality: problem loans at 0.00% of loans (-37 bps YoY).
  • Capital: net worth / assets of 0.00%, down 1,587 bps from a year ago.
  • Funding: loans stand at 29.20% of shares as of Q3 2014.

Return on Assets (YTD, annualized)

-0.50%-114 bps YoY

Net Interest Margin (YTD, annualized)

1.23%-38 bps YoY

Efficiency Ratio (YTD, annualized)

132.16%+7,129 bps YoY

Net Worth / Assets

0.00%-1,587 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets0.88%-0.08%0.44%0.64%0.69%-0.11%-0.59%-0.50%-114 bps
Return on Equity6.61%-0.55%3.08%4.04%4.37%-0.68%-3.61%n/an/a
Net Interest Margin1.55%1.43%1.48%1.60%1.54%1.40%1.32%1.23%-38 bps
Efficiency Ratio44.83%105.12%71.38%60.87%56.28%91.29%135.34%132.16%+7,129 bps
Growth
Asset Growth (YoY)5.98%3.96%-0.19%-11.27%-12.45%-13.38%-10.81%-19.50%-823 bps
Loan Growth (YoY)-4.54%-9.02%-6.98%-15.29%-18.72%-19.99%-1.02%2.21%+1,751 bps
Share Growth (YoY)5.82%3.64%-1.14%-13.99%-14.95%-16.09%-13.01%-3.29%+1,070 bps
Asset Quality
Delinquent Loans / Loans0.44%2.30%1.93%0.37%1.15%0.99%0.73%0.00%-37 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.77%0.82%0.86%0.53%0.53%0.84%0.75%0.75%+23 bps
Capital
Risk-Based Capital13.25%13.65%14.25%15.87%15.72%16.36%16.40%0.00%-1,587 bps
Net Worth / Assets13.25%13.65%14.25%15.87%15.72%16.36%16.40%0.00%-1,587 bps
Liquidity & Funding
Loans / Shares27.96%27.22%25.82%27.63%26.72%25.95%29.39%29.20%+157 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps