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Grenada Lake Medical Center Empls

Grenada, MS · Charter 22596

Q1 2014

$210KAssets
$5KLoans
$176KShares
$31KNet 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 -3.04%, down 167 bps year over year; NIM at 0.57%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 14.58%, up 151 bps from a year ago.
  • Funding: loans stand at 2.73% of shares as of Q1 2014.

Financial Results

Return on Assets (YTD, annualized)

-3.04%-167 bps YoY

Net Interest Margin (YTD, annualized)

0.57%+39 bps YoY

Efficiency Ratio (YTD, annualized)

208%+5,012 bps YoY

Net Worth / Assets

14.58%+151 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2013Q2 2013Q3 2013Q4 2013Q1 2014YoY ΔTrend
Earnings
Return on Assets-1.37%0.37%0.32%-0.46%-3.04%-167 bps
Return on Equity-10.48%2.95%2.34%-2.73%-20.82%-1,034 bps
Net Interest Margin0.18%0.26%0.33%0.39%0.57%+39 bps
Efficiency Ratio157.55%91.68%95.58%107.15%208%+5,012 bps
Growth
Asset Growth (YoY)5.84%17.30%-2.27%-4.52%-13.84%-1,968 bps
Loan Growth (YoY)-79.71%-76.26%-69.40%-45.58%-49.52%+3,018 bps
Share Growth (YoY)7.32%21.49%-2.05%-5.04%-16.18%-2,351 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.66%3.83%4.57%4.48%5.83%+317 bps
Capital
Risk-Based Capital13.07%12.39%13.54%16.76%14.58%+151 bps
Net Worth / Assets13.07%12.39%13.54%16.76%14.58%+151 bps
Liquidity & Funding
Loans / Shares4.53%3.61%3.19%6.09%2.73%-180 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps