Holly Springs, MS · Charter 23887
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
Holly Springs, MS · Charter 23887
Q3 2005
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 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.78% | -1.18% | -0.50% | -0.68% | -0.99% | -21 bps | |
| Return on Equity | -9.31% | -12.51% | -6.56% | -9.67% | -14.37% | -506 bps | |
| Net Interest Margin | 2.66% | 2.75% | 3.07% | 2.70% | 2.63% | -3 bps | |
| Efficiency Ratio | 129.46% | 137.12% | 116.41% | 125.09% | 137.80% | +834 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.75% | -4.52% | -3.84% | 3.21% | 3.09% | -66 bps | |
| Loan Growth (YoY) | -8.66% | -9.72% | -15.28% | -20.19% | -16.53% | -787 bps | |
| Share Growth (YoY) | 5.08% | -3.86% | -2.59% | 3.42% | 4.89% | -19 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.99% | 0.00% | 0.84% | 1.17% | 2.28% | +129 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.18% | 0.79% | 0.92% | 0.95% | 1.06% | -13 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.42% | 9.44% | 7.67% | 7.00% | 6.91% | -151 bps | |
| Net Worth / Assets | 8.42% | 9.44% | 7.67% | 7.00% | 6.91% | -151 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 27.97% | 32.71% | 25.93% | 23.84% | 22.26% | -571 bps | |
| Liquid Assets / Assets | 70.81% | 66.30% | 73.49% | 75.77% | 77.10% | +629 bps | |