Hot Springs, AR · Charter 24144
NCUA · 3 branches
Q1 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2017, the quarter ended March 31, 2017, 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.
Hot Springs, AR · Charter 24144
NCUA · 3 branches
Q1 2017
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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.35% | -3.28% | -4.78% | -29.00% | -21.34% | -14.58% | -13.09% | -2.82% | +2,618 bps | |
| Return on Equity | -14.17% | -14.52% | -20.38% | -156.51% | -106.09% | -75.49% | -71.64% | -14.95% | +14,156 bps | |
| Net Interest Margin | 9.67% | 8.70% | 8.82% | 15.51% | 14.47% | 13.24% | 13.08% | 12.64% | -286 bps | |
| Efficiency Ratio | 132.08% | 134.27% | 147.80% | 89.77% | 119.30% | 117.27% | 125.21% | 119.81% | +3,003 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.23% | -5.60% | -13.92% | -20.32% | -31.68% | -31.25% | -25.19% | -22.25% | -193 bps | |
| Loan Growth (YoY) | 27.68% | 0.58% | 2.19% | -6.41% | -4.40% | -14.77% | -6.49% | -3.46% | +295 bps | |
| Share Growth (YoY) | -5.72% | -4.33% | -13.47% | -13.49% | -28.64% | -28.54% | -20.29% | -23.12% | -963 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 21.71% | 23.35% | 23.51% | 27.26% | 30.66% | 28.04% | 19.96% | 26.10% | -116 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 | 7.75% | 7.80% | 6.96% | 13.94% | 13.15% | 17.92% | 13.40% | 15.88% | +193 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.64% | 22.57% | 23.45% | 18.53% | 20.11% | 19.31% | 18.27% | 18.86% | +33 bps | |
| Net Worth / Assets | 23.64% | 22.57% | 23.45% | 18.53% | 20.11% | 19.31% | 18.27% | 18.86% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.91% | 87.37% | 114.66% | 98.61% | 108.40% | 104.20% | 134.50% | 123.82% | +2,522 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |