Tupelo, MS · Charter 22414
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 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.
Tupelo, MS · Charter 22414
Q4 2015
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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.52% | 3.00% | -5.71% | -2.54% | -7.31% | -8.45% | -3.58% | -6.12% | -359 bps | |
| Return on Equity | -15.97% | 25.80% | -81.06% | -30.47% | -116.71% | -163.79% | -63.80% | -188.63% | -15,817 bps | |
| Net Interest Margin | 7.98% | 7.52% | 8.36% | 7.38% | 6.40% | 6.08% | 6.49% | 6.48% | -91 bps | |
| Efficiency Ratio | 188.09% | 167.76% | 184.97% | 152.40% | 133.55% | 168.69% | 134.39% | 140.86% | -1,155 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -20.30% | -9.41% | -19.19% | -0.63% | -7.48% | -8.72% | 5.49% | -11.11% | -1,048 bps | |
| Loan Growth (YoY) | -42.82% | -31.86% | -25.96% | -17.68% | -21.91% | -17.48% | -19.38% | -13.85% | +383 bps | |
| Share Growth (YoY) | -7.11% | -3.99% | -16.32% | -2.00% | -2.73% | -5.43% | 7.27% | -6.55% | -455 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.44% | 12.71% | 9.52% | 6.61% | 3.64% | 0.25% | 0.95% | 0.22% | -639 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 | 10.64% | 4.56% | 5.97% | 6.21% | 6.56% | 5.65% | 3.78% | 6.10% | -11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.55% | 11.62% | 7.04% | 8.33% | 6.26% | 5.16% | 5.62% | 3.25% | -508 bps | |
| Net Worth / Assets | 9.55% | 11.62% | 7.04% | 8.33% | 6.26% | 5.16% | 5.62% | 3.25% | -508 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.24% | 59.90% | 65.83% | 60.27% | 49.16% | 52.27% | 49.47% | 55.57% | -471 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |