Dodge City, KS · Charter 67759
NCUA · 1 branch
Q4 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2019, the quarter ended December 31, 2019, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Dodge City, KS · Charter 67759
NCUA · 1 branch
Q4 2019
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.13% | 0.09% | 0.26% | 0.30% | -1.59% | -0.78% | -2.65% | -9.30% | -960 bps | |
| Return on Equity | 1.08% | 0.79% | 2.22% | 2.47% | -13.12% | -6.58% | -25.72% | -249% | -25,151 bps | |
| Net Interest Margin | 3.71% | 3.58% | 3.68% | 3.79% | 3.74% | 3.55% | 3.64% | 3.64% | -15 bps | |
| Efficiency Ratio | 97.28% | 97.99% | 94.43% | 93.71% | 118.03% | 108.73% | 104.41% | 109.77% | +1,605 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.29% | 0.93% | 1.55% | -3.60% | -3.93% | -4.99% | -4.34% | -7.64% | -403 bps | |
| Loan Growth (YoY) | 0.38% | 4.81% | 14.62% | 10.72% | 9.22% | 5.30% | 1.76% | 1.58% | -914 bps | |
| Share Growth (YoY) | 1.19% | 0.78% | 0.79% | -4.50% | -4.22% | -4.74% | -2.24% | 0.90% | +540 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.80% | 3.88% | 1.93% | 3.05% | 2.76% | 3.64% | 3.80% | 4.46% | +141 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.63% | 1.42% | 1.25% | 1.17% | 1.16% | 1.06% | 3.06% | 9.74% | +857 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.61% | 11.46% | 11.66% | 12.04% | 12.12% | 11.92% | 10.30% | 3.73% | -830 bps | |
| Net Worth / Assets | 11.61% | 11.46% | 11.66% | 12.04% | 12.12% | 11.92% | 10.30% | 3.73% | -830 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.01% | 83.25% | 91.40% | 91.74% | 91.24% | 92.02% | 95.14% | 92.36% | +62 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |