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St. Edward Mercy Hospital

Fort Smith, AR · Charter 19798

NCUA · 2 branches

Q2 2016

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: 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.

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

St. Edward Mercy Hospital

Fort Smith, AR · Charter 19798

NCUA · 2 branches

Q2 2016

$3.2MAssets
$1.2MLoans
$2.8MShares
$401KNet Worth

Executive Summary

  • Earnings: ROA of -0.64%, down 67 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 0.01% of loans (-21 bps YoY).
  • Capital: net worth / assets of 12.59%, down 109 bps from a year ago.
  • Funding: loans stand at 43.72% of shares as of Q2 2016.

Return on Assets (YTD, annualized)

-0.64%-67 bps YoY

Net Interest Margin (YTD, annualized)

3.30%-14 bps YoY

Efficiency Ratio (YTD, annualized)

93.34%+623 bps YoY

Net Worth / Assets

12.59%-109 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets-0.06%-0.28%-0.36%0.04%0.12%0.14%-1.48%-0.64%-67 bps
Return on Equity-0.39%-1.93%-2.67%0.26%0.87%1.02%-12.05%-5.06%-533 bps
Net Interest Margin3.41%3.45%3.37%3.45%3.57%3.59%3.23%3.30%-14 bps
Efficiency Ratio101.49%98.33%92.15%87.10%89.03%88.38%93.09%93.34%+623 bps
Growth
Asset Growth (YoY)-0.56%-0.90%1.92%-0.77%3.03%3.84%6.68%4.36%+513 bps
Loan Growth (YoY)-13.42%-11.40%-0.38%6.38%2.58%-3.90%-7.00%-14.05%-2,043 bps
Share Growth (YoY)-0.61%-0.81%2.79%-0.75%3.76%4.30%8.26%5.69%+644 bps
Asset Quality
Delinquent Loans / Loans0.47%0.10%0.02%0.22%0.47%2.79%0.96%0.01%-21 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.11%0.00%0.45%0.57%0.39%0.03%0.19%0.70%+13 bps
Capital
Risk-Based Capital14.58%14.48%13.61%13.68%14.02%14.09%12.29%12.59%-109 bps
Net Worth / Assets14.58%14.48%13.61%13.68%14.02%14.09%12.29%12.59%-109 bps
Liquidity & Funding
Loans / Shares53.89%56.65%51.95%53.76%53.28%52.20%44.63%43.72%-1,004 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps