Hattiesburg, MS · Charter 24218
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 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.
Hattiesburg, MS · Charter 24218
Q3 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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.21% | -0.30% | 0.15% | -1.52% | -1.37% | -0.25% | -0.21% | -0.10% | +143 bps | |
| Return on Equity | -2.24% | -3.35% | 1.53% | -17.93% | -16.49% | -3.09% | -2.41% | -1.08% | +1,685 bps | |
| Net Interest Margin | 3.16% | 2.72% | 2.86% | 2.92% | 2.94% | 2.78% | 2.97% | 3.20% | +27 bps | |
| Efficiency Ratio | 103.57% | 104.41% | 96.52% | 103.74% | 105.07% | 107.73% | 112.56% | 108.75% | +501 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.85% | -0.40% | -3.27% | -4.57% | -3.86% | -5.91% | -7.00% | -11.01% | -644 bps | |
| Loan Growth (YoY) | -4.70% | -6.71% | -4.59% | -7.91% | -11.57% | -11.49% | -9.19% | -11.91% | -400 bps | |
| Share Growth (YoY) | 4.33% | 0.44% | -4.62% | -3.99% | -2.80% | -5.38% | -5.52% | -11.56% | -757 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.75% | 7.06% | 4.72% | 1.88% | 1.22% | 0.43% | 0.98% | 1.32% | -57 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 | 0.48% | 0.40% | 0.19% | 1.03% | 1.25% | 1.37% | 0.99% | 1.00% | -4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.27% | 8.97% | 9.55% | 8.50% | 8.28% | 8.19% | 8.64% | 9.23% | +73 bps | |
| Net Worth / Assets | 9.27% | 8.97% | 9.55% | 8.50% | 8.28% | 8.19% | 8.64% | 9.23% | +73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.45% | 37.52% | 39.71% | 38.62% | 36.80% | 35.10% | 38.17% | 38.47% | -15 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |