PackageTrendsPeer
Letter portraitLegal landscape

Capital City Press

Baton Rouge, LA · Charter 6529

Q3 2015

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 2015, the quarter ended September 30, 2015, 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

Capital City Press

Baton Rouge, LA · Charter 6529

Q3 2015

$17.6MAssets
$6.6MLoans
$15.5MShares
$2.1MNet 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 -1.23%, down 151 bps year over year; NIM at 2.52%.
  • Asset quality: problem loans at 2.11% of loans (+146 bps YoY).
  • Capital: net worth / assets of 12.08%, down 59 bps from a year ago.
  • Funding: loans stand at 42.27% of shares as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

-1.23%-151 bps YoY

Net Interest Margin (YTD, annualized)

2.52%-3 bps YoY

Efficiency Ratio (YTD, annualized)

135.53%+4,435 bps YoY

Net Worth / Assets

12.08%-59 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets0.29%0.22%0.13%0.14%-1.23%-151 bps
Return on Equity2.26%1.79%1.06%1.17%-10.14%-1,240 bps
Net Interest Margin2.55%2.50%2.54%2.32%2.52%-3 bps
Efficiency Ratio91.17%93.01%96.05%95.60%135.53%+4,435 bps
Growth
Asset Growth (YoY)-24.05%15.00%12.25%9.15%-2.46%+2,159 bps
Loan Growth (YoY)-4.78%-2.55%-1.92%-3.50%-4.84%-5 bps
Share Growth (YoY)-26.78%17.15%13.57%9.99%-1.75%+2,502 bps
Asset Quality
Delinquent Loans / Loans0.65%0.82%0.24%1.35%2.11%+146 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.77%0.79%0.69%0.72%0.65%-12 bps
Capital
Risk-Based Capital12.67%12.31%12.59%11.94%12.08%-59 bps
Net Worth / Assets12.67%12.31%12.59%11.94%12.08%-59 bps
Liquidity & Funding
Loans / Shares43.64%41.85%42.70%38.76%42.27%-137 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps