PackageTrendsPeer
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F.S.H. Employees

Chattahoochee, FL · Charter 67443

Q4 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: Q4 2015, the quarter ended December 31, 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

F.S.H. Employees

Chattahoochee, FL · Charter 67443

Q4 2015

$133.7MAssets
$72.2MLoans
$120.8MShares
$12.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.45%, down 18 bps year over year; NIM at 2.88%.
  • Asset quality: problem loans at 0.94% of loans (+3 bps YoY).
  • Capital: net worth / assets of 9.55%, up 19 bps from a year ago.
  • Funding: loans stand at 59.78% of shares as of Q4 2015.

Return on Assets (YTD, annualized)

0.45%-18 bps YoY

Net Interest Margin (YTD, annualized)

2.88%-10 bps YoY

Efficiency Ratio (YTD, annualized)

83.03%-27 bps YoY

Net Worth / Assets

9.55%+19 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets0.71%0.86%0.64%0.62%0.40%0.29%0.46%0.45%-18 bps
Return on Equity8.14%9.48%6.96%6.65%4.36%3.13%4.81%4.68%-197 bps
Net Interest Margin2.85%2.90%2.98%2.98%2.83%2.85%2.88%2.88%-10 bps
Efficiency Ratio84.27%85.22%83.48%83.30%85.05%86.02%82.45%83.03%-27 bps
Growth
Asset Growth (YoY)3.81%2.02%-2.30%0.02%0.02%1.05%2.68%2.80%+278 bps
Loan Growth (YoY)0.09%1.87%1.85%-1.96%-0.78%-2.27%-0.86%-0.21%+175 bps
Share Growth (YoY)4.75%1.75%-2.73%-0.37%-0.88%0.89%2.09%2.06%+243 bps
Asset Quality
Delinquent Loans / Loans0.58%0.88%0.87%0.92%0.59%0.48%0.92%0.94%+3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.31%1.05%1.20%1.20%1.20%1.24%1.22%1.24%+4 bps
Capital
Risk-Based Capital8.71%9.02%9.24%9.36%9.24%9.25%9.48%9.55%+19 bps
Net Worth / Assets8.71%9.02%9.24%9.36%9.24%9.25%9.48%9.55%+19 bps
Liquidity & Funding
Loans / Shares59.55%61.28%62.11%61.14%59.61%59.36%60.32%59.78%-136 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps