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Mississippi Farm Bureau Employees

Jackson, MS · Charter 24891

NCUA · 3 branches

Q4 2019

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2019, the quarter ended December 31, 2019, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Mississippi Farm Bureau Employees

Jackson, MS · Charter 24891

NCUA · 3 branches

Q4 2019

$15.3MAssets
$4.4MLoans
$13.3MShares
$1.9MNet 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 0.24%, down 22 bps year over year; NIM at 1.92%.
  • Asset quality: problem loans at 0.05% of loans (-41 bps YoY).
  • Capital: net worth / assets of 12.69%, up 13 bps from a year ago.
  • Funding: loans stand at 32.68% of shares as of Q4 2019.

Financial Results

Return on Assets (YTD, annualized)

0.24%-22 bps YoY

Net Interest Margin (YTD, annualized)

1.92%-10 bps YoY

Efficiency Ratio (YTD, annualized)

84.22%+1,081 bps YoY

Net Worth / Assets

12.69%+13 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2018Q1 2019Q2 2019Q3 2019Q4 2019YoY ΔTrend
Earnings
Return on Assets0.45%0.39%0.42%0.31%0.24%-22 bps
Return on Equity3.62%3.14%3.33%2.51%1.86%-177 bps
Net Interest Margin2.02%1.85%1.89%1.88%1.92%-10 bps
Efficiency Ratio73.42%72.23%76.38%79.01%84.22%+1,081 bps
Growth
Asset Growth (YoY)2.43%4.47%3.66%4.98%0.82%-161 bps
Loan Growth (YoY)16.83%25.89%15.42%15.28%5.31%-1,151 bps
Share Growth (YoY)2.25%4.41%3.47%5.26%0.63%-162 bps
Asset Quality
Delinquent Loans / Loans0.46%0.44%0.07%0.03%0.05%-41 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.28%0.28%0.24%0.24%0.24%-3 bps
Capital
Risk-Based Capital12.56%12.29%12.57%12.45%12.69%+13 bps
Net Worth / Assets12.56%12.29%12.57%12.45%12.69%+13 bps
Liquidity & Funding
Loans / Shares31.22%31.19%31.67%32.35%32.68%+145 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps