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Dobbs Employees Savings Assn.

Memphis, TN · Charter 67980

Q4 2005

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 2005, the quarter ended December 31, 2005, 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

Dobbs Employees Savings Assn.

Memphis, TN · Charter 67980

Q4 2005

$5.7MAssets
$1.4MLoans
$4.7MShares
$1.1MNet 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 -2.37%, down 277 bps year over year; NIM at 5.34%.
  • Asset quality: problem loans at 1.39% of loans (-693 bps YoY).
  • Capital: net worth / assets of 19.77%, up 299 bps from a year ago.
  • Funding: loans stand at 29.36% of shares as of Q4 2005.

Financial Results

Return on Assets (YTD, annualized)

-2.37%-277 bps YoY

Net Interest Margin (YTD, annualized)

5.34%+92 bps YoY

Efficiency Ratio (YTD, annualized)

92.67%+1,254 bps YoY

Net Worth / Assets

19.77%+299 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets0.40%0.23%0.26%-1.16%-2.37%-277 bps
Return on Equity2.37%1.32%1.39%-6.27%-11.98%-1,435 bps
Net Interest Margin4.42%4.68%4.74%4.80%5.34%+92 bps
Efficiency Ratio80.13%82.27%81.66%88.83%92.67%+1,254 bps
Growth
Asset Growth (YoY)2.09%-5.68%-11.38%-17.27%-24.26%-2,635 bps
Loan Growth (YoY)-10.11%-12.71%-17.78%-20.36%-32.14%-2,203 bps
Share Growth (YoY)2.15%-7.08%-13.85%-19.70%-24.90%-2,705 bps
Asset Quality
Delinquent Loans / Loans8.31%6.41%7.50%8.28%1.39%-693 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.39%4.13%2.64%5.09%1.94%-145 bps
Capital
Risk-Based Capital16.78%17.73%18.82%18.54%19.77%+299 bps
Net Worth / Assets16.78%17.73%18.82%18.54%19.77%+299 bps
Liquidity & Funding
Loans / Shares32.49%31.52%31.14%30.85%29.36%-313 bps
Liquid Assets / Assets29.82%35.72%41.04%37.47%37.41%+759 bps