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Ellisville State School Employees

Ellisville, MS · Charter 61784

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

Ellisville State School Employees

Ellisville, MS · Charter 61784

NCUA · 1 branch

Q3 2017

$2.5MAssets
$248KLoans
$1.9MShares
$585KNet 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%, up 9 bps year over year; NIM at 2.53%.
  • Asset quality: problem loans at 1.53% of loans (+90 bps YoY).
  • Capital: net worth / assets of 23.34%, down 7 bps from a year ago.
  • Funding: loans stand at 12.95% of shares as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

-0.24%+9 bps YoY

Net Interest Margin (YTD, annualized)

2.53%-14 bps YoY

Efficiency Ratio (YTD, annualized)

109.16%+449 bps YoY

Net Worth / Assets

23.34%-7 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets-0.34%-0.29%0.16%-0.06%-0.24%+9 bps
Return on Equity-1.43%-1.18%0.69%-0.24%-1.04%+39 bps
Net Interest Margin2.67%2.57%3.08%2.82%2.53%-14 bps
Efficiency Ratio104.67%104.03%95.58%102.91%109.16%+449 bps
Growth
Asset Growth (YoY)1.00%-0.11%-0.17%-0.54%-0.57%-157 bps
Loan Growth (YoY)-2.91%-10.66%-12.33%-18.16%-27.68%-2,477 bps
Share Growth (YoY)1.50%0.29%0.15%-0.52%-0.39%-189 bps
Asset Quality
Delinquent Loans / Loans0.63%2.78%0.28%0.34%1.53%+90 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.10%0.73%0.87%0.94%1.11%0 bps
Capital
Risk-Based Capital23.41%24.47%23.68%23.82%23.34%-7 bps
Net Worth / Assets23.41%24.47%23.68%23.82%23.34%-7 bps
Liquidity & Funding
Loans / Shares17.84%24.76%19.69%16.77%12.95%-489 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps