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Pike County Teachers

McComb, MS · Charter 16690

Q1 2012

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: Q1 2012, the quarter ended March 31, 2012, 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

Pike County Teachers

McComb, MS · Charter 16690

Q1 2012

$925KAssets
$115KLoans
$806KShares
$113KNet 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 6.48%, up 771 bps year over year; NIM at 1.75%.
  • Asset quality: problem loans at 4.20% of loans (-582 bps YoY).
  • Capital: net worth / assets of 12.19%, up 259 bps from a year ago.
  • Funding: loans stand at 14.32% of shares as of Q1 2012.

Financial Results

Return on Assets (YTD, annualized)

6.48%+771 bps YoY

Net Interest Margin (YTD, annualized)

1.75%-78 bps YoY

Efficiency Ratio (YTD, annualized)

206%+5,661 bps YoY

Net Worth / Assets

12.19%+259 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2011Q2 2011Q3 2011Q4 2011Q1 2012YoY ΔTrend
Earnings
Return on Assets-1.23%-0.41%-0.35%-0.80%6.48%+771 bps
Return on Equity-12.83%-4.02%-3.37%-7.71%53.11%+6,594 bps
Net Interest Margin2.53%2.58%2.60%2.55%1.75%-78 bps
Efficiency Ratio149.58%142.32%142.17%156.28%206%+5,661 bps
Growth
Asset Growth (YoY)-9.55%-14.14%-16.84%-17.11%-13.00%-345 bps
Loan Growth (YoY)-39.81%-40.52%-45.39%-50.30%-54.53%-1,472 bps
Share Growth (YoY)-7.42%-11.99%-14.88%-14.32%-15.69%-826 bps
Asset Quality
Delinquent Loans / Loans10.01%11.89%2.81%3.34%4.20%-582 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans10.94%10.98%12.26%14.28%2.85%-809 bps
Capital
Risk-Based Capital9.60%10.14%10.48%10.40%12.19%+259 bps
Net Worth / Assets9.60%10.14%10.48%10.40%12.19%+259 bps
Liquidity & Funding
Loans / Shares26.55%24.77%21.53%18.86%14.32%-1,223 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps