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Docks and Terminal

Mobile, AL · Charter 64725

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

Docks and Terminal

Mobile, AL · Charter 64725

Q3 2014

$8.1MAssets
$5.1MLoans
$7.3MShares
$740KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -4.13%, down 299 bps year over year; NIM at 5.53%.
  • Asset quality: problem loans at 7.35% of loans (-202 bps YoY).
  • Capital: net worth / assets of 9.16%, down 519 bps from a year ago.
  • Funding: loans stand at 69.71% of shares as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

-4.13%-299 bps YoY

Net Interest Margin (YTD, annualized)

5.53%-105 bps YoY

Efficiency Ratio (YTD, annualized)

97.21%+2,335 bps YoY

Net Worth / Assets

9.16%-519 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets-1.13%-3.49%-13.19%-5.84%-4.13%-299 bps
Return on Equity-7.90%-31.04%-163.73%-70.01%-45.05%-3,715 bps
Net Interest Margin6.59%6.04%5.27%4.88%5.53%-105 bps
Efficiency Ratio73.86%79.30%100.37%97.36%97.21%+2,335 bps
Growth
Asset Growth (YoY)0.50%-7.53%-9.77%-0.11%-5.33%-583 bps
Loan Growth (YoY)-17.19%-22.09%-30.35%-8.68%-0.44%+1,676 bps
Share Growth (YoY)0.42%-5.30%-3.63%8.24%0.31%-11 bps
Asset Quality
Delinquent Loans / Loans9.36%9.52%5.43%4.77%7.35%-202 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.68%7.17%10.12%7.02%7.70%+302 bps
Capital
Risk-Based Capital14.36%11.26%8.06%8.34%9.16%-519 bps
Net Worth / Assets14.36%11.26%8.06%8.34%9.16%-519 bps
Liquidity & Funding
Loans / Shares70.24%61.91%55.37%65.61%69.71%-53 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps