Indianola, MS · Charter 62864
NCUA · 2 branches
Q1 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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.61% | 0.53% | 0.69% | 0.57% | 0.66% | 0.28% | -0.36% | -105 bps | |
| Return on Equity | 1.53% | 2.07% | 1.68% | 2.31% | 1.95% | 2.24% | 0.90% | -1.19% | -351 bps | |
| Net Interest Margin | 3.89% | 3.90% | 4.14% | 4.12% | 3.84% | 3.84% | 4.02% | 3.76% | -37 bps | |
| Efficiency Ratio | 95.50% | 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 / Loans | 0.26% | 0.02% | 0.11% | 0.19% | 0.34% | 0.48% | 0.37% | 0.19% | 0 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 | 0.67% | 0.69% | 0.75% | 0.65% | 0.66% | 0.94% | 0.92% | 1.04% | +39 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 29.38% | 29.59% | 31.50% | 29.88% | 29.22% | 29.26% | 31.25% | 29.87% | -1 bps | |
| Net Worth / Assets | 29.38% | 29.59% | 31.50% | 29.88% | 29.22% | 29.26% | 31.25% | 29.87% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.58% | 62.76% | 68.68% | 62.23% | 56.32% | 54.85% | 62.18% | 50.06% | -1,217 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |