Ellisville, MS · Charter 61784
NCUA · 1 branch
Q3 2017
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Ellisville, MS · Charter 61784
NCUA · 1 branch
Q3 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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.04% | 0.15% | -0.37% | -0.34% | -0.29% | 0.16% | -0.06% | -0.24% | +9 bps | |
| Return on Equity | -0.15% | 0.61% | -1.55% | -1.43% | -1.18% | 0.69% | -0.24% | -1.04% | +39 bps | |
| Net Interest Margin | 2.68% | 3.14% | 2.90% | 2.67% | 2.57% | 3.08% | 2.82% | 2.53% | -14 bps | |
| Efficiency Ratio | 95.52% | 95.98% | 101.13% | 104.67% | 104.03% | 95.58% | 102.91% | 109.16% | +449 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.58% | 4.72% | 2.90% | 1.00% | -0.11% | -0.17% | -0.54% | -0.57% | -157 bps | |
| Loan Growth (YoY) | 11.31% | -9.76% | -7.88% | -2.91% | -10.66% | -12.33% | -18.16% | -27.68% | -2,477 bps | |
| Share Growth (YoY) | 6.23% | 6.33% | 4.23% | 1.50% | 0.29% | 0.15% | -0.52% | -0.39% | -189 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.87% | 1.97% | 0.10% | 0.63% | 2.78% | 0.28% | 0.34% | 1.53% | +90 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 | 0.59% | 0.67% | 1.02% | 1.10% | 0.73% | 0.87% | 0.94% | 1.11% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.74% | 23.91% | 23.82% | 23.41% | 24.47% | 23.68% | 23.82% | 23.34% | -7 bps | |
| Net Worth / Assets | 24.74% | 23.91% | 23.82% | 23.41% | 24.47% | 23.68% | 23.82% | 23.34% | -7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 27.79% | 22.49% | 20.39% | 17.84% | 24.76% | 19.69% | 16.77% | 12.95% | -489 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |