Paris, AR · Charter 13218
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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.
Paris, AR · Charter 13218
Q3 2015
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.69% | -0.85% | -1.15% | -2.04% | -1.66% | -97 bps | |
| Return on Equity | -6.19% | -7.42% | -8.37% | -14.24% | -11.67% | -547 bps | |
| Net Interest Margin | 2.11% | 2.10% | 2.18% | 2.43% | 2.41% | +30 bps | |
| Efficiency Ratio | 132.62% | 140.47% | 152.91% | 183.87% | 168.93% | +3,631 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.19% | -9.56% | -24.49% | -30.48% | -30.18% | -2,599 bps | |
| Loan Growth (YoY) | -11.39% | -10.18% | -12.73% | -19.14% | -7.70% | +369 bps | |
| Share Growth (YoY) | -3.84% | -9.91% | -26.71% | -33.05% | -32.69% | -2,885 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.18% | 5.22% | 10.69% | 0.15% | 0.00% | -618 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.72% | 0.74% | 0.81% | 0.86% | 0.78% | +6 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.10% | 11.46% | 13.80% | 14.30% | 14.24% | +314 bps | |
| Net Worth / Assets | 11.10% | 11.46% | 13.80% | 14.30% | 14.24% | +314 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 38.88% | 40.17% | 45.96% | 47.38% | 53.32% | +1,443 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |