Columbus, MS · Charter 11367
NCUA · 1 branch
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, 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.
Columbus, MS · Charter 11367
NCUA · 1 branch
Q2 2016
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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | 0.29% | -0.36% | -0.79% | -0.57% | -0.72% | -1.36% | -1.61% | -82 bps | |
| Return on Equity | 2.59% | 2.81% | -3.78% | -8.37% | -5.94% | -7.76% | -15.92% | -19.10% | -1,073 bps | |
| Net Interest Margin | 2.71% | 2.78% | 2.43% | 2.40% | 2.39% | 2.35% | 2.06% | 2.12% | -28 bps | |
| Efficiency Ratio | 92.20% | 92.39% | 106.23% | 104.85% | 103.89% | 109.64% | 141.76% | 146.97% | +4,212 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.60% | -5.28% | -1.92% | 1.82% | 0.26% | 3.45% | 0.01% | -1.48% | -329 bps | |
| Loan Growth (YoY) | 6.82% | 3.92% | -5.15% | -6.14% | -13.02% | -16.93% | -16.78% | -15.49% | -935 bps | |
| Share Growth (YoY) | -7.45% | -6.13% | -2.33% | 2.20% | 0.49% | 4.39% | 0.86% | -0.60% | -280 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.78% | 2.18% | 2.80% | 1.93% | 0.36% | 0.06% | 0.02% | 0.83% | -110 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 | 1.17% | 1.19% | 1.13% | 1.46% | 1.30% | 0.99% | 1.06% | 1.08% | -38 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.02% | 10.30% | 9.47% | 9.43% | 9.66% | 9.24% | 8.53% | 8.45% | -98 bps | |
| Net Worth / Assets | 10.02% | 10.30% | 9.47% | 9.43% | 9.66% | 9.24% | 8.53% | 8.45% | -98 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.53% | 40.83% | 34.89% | 34.97% | 35.08% | 32.49% | 28.78% | 29.73% | -524 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |