Wesson, MS · Charter 23973
Q1 2012
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Wesson, MS · Charter 23973
Q1 2012
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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.29% | 1.63% | 1.90% | 2.27% | 0.09% | -120 bps | |
| Return on Equity | 14.60% | 17.64% | 19.68% | 21.69% | 0.92% | -1,368 bps | |
| Net Interest Margin | 3.33% | 3.39% | 3.49% | 3.51% | 3.46% | +12 bps | |
| Efficiency Ratio | 73.01% | 60.25% | 59.50% | 50.88% | 97.79% | +2,478 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.88% | 9.33% | 1.05% | 2.83% | -4.27% | -1,215 bps | |
| Loan Growth (YoY) | 26.09% | 24.29% | 20.34% | 15.87% | 19.50% | -659 bps | |
| Share Growth (YoY) | 7.74% | 9.46% | -0.38% | 1.79% | -5.46% | -1,320 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.32% | 0.00% | 0.53% | 3.14% | +314 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.58% | 3.52% | 2.84% | 2.83% | 2.73% | -86 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.86% | 9.23% | 9.64% | 10.44% | 10.05% | +119 bps | |
| Net Worth / Assets | 8.86% | 9.23% | 9.64% | 10.44% | 10.05% | +119 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 27.12% | 31.36% | 31.92% | 33.02% | 34.27% | +716 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |