CONSOLIDATED FIVE-YEAR SUMMARY OF SELECTED FINANCIAL DATA
FCS Financial, ACA
(dollars in thousands)
2015
2014
2013
$3,452,441
$3,211,407
$3,050,051
$2,740,586
$2,372,559
15,887
14,564
16,937
17,905
18,193
3,436,554
3,196,843
3,033,114
2,722,681
2,354,366
75,579
74,575
81,041
75,959
72,490
510
136
69
398
207
79,554
69,388
66,141
59,174
50,984
$3,592,197
$3,340,942
$3,180,365
$2,858,212
$2,478,047
$2,887,257
$2,684,092
$2,579,511
$2,309,753
$1,981,534
2,887,257
2,684,092
2,579,511
2,309,753
1,981,534
9
12,856
11
12,827
12
12,671
13
12,297
18
11,743
2012
2011
Statement of Condition Data
Loans
Allowance for loan losses
Net loans
Investment in AgriBank, FCB
Other property owned
Other assets
Total assets
Obligations with maturities of one year or less
Total liabilities
Protected members' equity
Capital stock and participation certificates
Unallocated surplus
692,075
644,012
588,171
536,149
484,752
704,940
656,850
600,854
548,459
496,513
$3,592,197
$3,340,942
$3,180,365
$2,858,212
$2,478,047
$86,686
$83,279
$79,244
$70,692
$65,188
Total members' equity
Total liabilities and members' equity
Statement of Income Data
Net interest income
500
Provision for (reversal of) loan losses
Other expenses, net
Net income
(2,500)
1,000
(2,000)
3,000
(25,603)
(19,928)
(17,652)
(12,269)
(12,153)
$60,583
$65,851
$60,592
$60,423
$50,035
Key Financial Ratios
Return on average assets
1.8%
2.1%
2.0%
2.4%
2.2%
Return on average members' equity
8.9%
10.5%
10.6%
11.6%
10.6%
2.7%
2.7%
2.8%
2.9%
2.9%
Members' equity as a percentage of total assets
19.6%
19.7%
18.9%
19.2%
20.0%
Net (recoveries) charge-offs as a percentage of average loans
(0.0%)
0.0%
0.1%
(0.1%)
0.4%
0.5%
0.5%
0.6%
0.7%
0.8%
Permanent capital ratio
17.5%
17.3%
16.2%
17.1%
17.6%
Total surplus ratio
17.2%
16.9%
15.8%
16.6%
17.1%
Core surplus ratio
17.2%
16.9%
15.8%
16.6%
17.1%
$10,016
$8,569
$9,020
$5,126
$5,025
$89
$155
$219
$267
$379
Net interest income as a percentage of average earning assets
Allowance for loan losses as a percentage of loans
Other
Patronage distributions: Cash
Loans serviced for AgriBank, FCB
Summary of Selected Financial Data
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