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Mid Delta

Indianola, MS · Charter 62864

NCUA · 2 branches

Q1 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: Q1 2017, the quarter ended March 31, 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

Mid Delta

Indianola, MS · Charter 62864

NCUA · 2 branches

Q1 2017

$1.8MAssets
$618KLoans
$1.2MShares
$528KNet Worth

Executive Summary

  • Earnings: ROA of -0.36%, down 105 bps year over year; NIM at 3.76%.
  • Asset quality: problem loans at 0.19% of loans (0 bps YoY).
  • Capital: net worth / assets of 29.87%, down 1 bps from a year ago.
  • Funding: loans stand at 50.06% of shares as of Q1 2017.

Return on Assets (YTD, annualized)

-0.36%-105 bps YoY

Net Interest Margin (YTD, annualized)

3.76%-37 bps YoY

Efficiency Ratio (YTD, annualized)

99.25%+593 bps YoY

Net Worth / Assets

29.87%-1 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets0.45%0.61%0.53%0.69%0.57%0.66%0.28%-0.36%-105 bps
Return on Equity1.53%2.07%1.68%2.31%1.95%2.24%0.90%-1.19%-351 bps
Net Interest Margin3.89%3.90%4.14%4.12%3.84%3.84%4.02%3.76%-37 bps
Efficiency Ratio95.50%92.45%92.46%93.32%92.81%88.92%93.61%99.25%+593 bps
Growth
Asset Growth (YoY)6.04%1.91%1.63%3.62%2.50%3.01%1.68%0.05%-357 bps
Loan Growth (YoY)27.39%13.93%5.28%-0.14%-7.46%-9.77%-7.60%-19.49%-1,935 bps
Share Growth (YoY)8.24%2.42%1.68%4.31%2.81%3.24%2.05%0.09%-422 bps
Asset Quality
Delinquent Loans / Loans0.26%0.02%0.11%0.19%0.34%0.48%0.37%0.19%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.67%0.69%0.75%0.65%0.66%0.94%0.92%1.04%+39 bps
Capital
Risk-Based Capital29.38%29.59%31.50%29.88%29.22%29.26%31.25%29.87%-1 bps
Net Worth / Assets29.38%29.59%31.50%29.88%29.22%29.26%31.25%29.87%-1 bps
Liquidity & Funding
Loans / Shares62.58%62.76%68.68%62.23%56.32%54.85%62.18%50.06%-1,217 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps