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Paris Industrial & Occupational

Paris, IL · Charter 61488

NCUA · 1 branch

Q3 2017

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: Q3 2017, the quarter ended September 30, 2017, 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

Paris Industrial & Occupational

Paris, IL · Charter 61488

NCUA · 1 branch

Q3 2017

$3.8MAssets
$2.1MLoans
$3.5MShares
$137KNet 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 -8.05%, down 584 bps year over year; NIM at 4.36%.
  • Asset quality: problem loans at 6.28% of loans (+281 bps YoY).
  • Capital: net worth / assets of 3.66%, down 691 bps from a year ago.
  • Funding: loans stand at 58.86% of shares as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

-8.05%-584 bps YoY

Net Interest Margin (YTD, annualized)

4.36%-22 bps YoY

Efficiency Ratio (YTD, annualized)

159.58%+2,875 bps YoY

Net Worth / Assets

3.66%-691 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets-2.20%-5.85%-11.62%-8.01%-8.05%-584 bps
Return on Equity-20.87%-56.80%-188.70%-163.18%-220%-19,927 bps
Net Interest Margin4.58%4.79%4.17%4.04%4.36%-22 bps
Efficiency Ratio130.83%170.23%176.58%187.03%159.58%+2,875 bps
Growth
Asset Growth (YoY)-7.14%-13.65%-16.89%-11.70%-15.64%-850 bps
Loan Growth (YoY)14.46%-1.94%-6.94%-25.96%-25.75%-4,021 bps
Share Growth (YoY)-7.37%-12.49%-11.97%-5.27%-8.89%-152 bps
Asset Quality
Delinquent Loans / Loans3.47%4.27%7.84%6.96%6.28%+281 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.91%2.00%3.56%2.32%5.24%+233 bps
Capital
Risk-Based Capital10.56%10.30%6.16%4.91%3.66%-691 bps
Net Worth / Assets10.56%10.30%6.16%4.91%3.66%-691 bps
Liquidity & Funding
Loans / Shares72.23%65.48%63.40%56.34%58.86%-1,337 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps