Jackson, MS · Charter 63151
NCUA · 2 branches
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.
Jackson, MS · Charter 63151
NCUA · 2 branches
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 | 0.60% | -0.14% | 0.42% | 0.29% | 0.47% | -0.02% | -0.06% | -1.67% | -195 bps | |
| Return on Equity | 3.12% | -0.71% | 2.23% | 1.51% | 2.42% | -0.11% | -0.31% | -9.02% | -1,054 bps | |
| Net Interest Margin | 6.20% | 6.34% | 6.08% | 6.16% | 6.34% | 6.65% | 6.73% | 6.71% | +54 bps | |
| Efficiency Ratio | 91.45% | 97.17% | 89.82% | 91.26% | 87.59% | 89.12% | 90.61% | 92.32% | +107 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.43% | 2.37% | 3.00% | 3.47% | 2.60% | 3.02% | -0.49% | -3.11% | -658 bps | |
| Loan Growth (YoY) | 5.33% | 6.49% | 8.96% | 12.27% | 10.54% | 7.40% | 3.63% | -3.57% | -1,584 bps | |
| Share Growth (YoY) | 4.76% | 2.26% | 2.98% | 3.87% | 2.78% | 3.14% | -0.89% | -2.64% | -651 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.52% | 1.81% | 2.93% | 3.60% | 2.67% | 3.19% | 4.75% | 1.39% | -222 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 | 0.48% | 0.51% | 0.37% | 0.31% | 0.37% | 0.51% | 0.73% | 0.95% | +63 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.36% | 19.23% | 18.83% | 18.87% | 19.34% | 19.16% | 19.14% | 18.48% | -39 bps | |
| Net Worth / Assets | 19.36% | 19.23% | 18.83% | 18.87% | 19.34% | 19.16% | 19.14% | 18.48% | -39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.38% | 85.72% | 84.55% | 90.16% | 93.98% | 89.25% | 88.40% | 89.30% | -86 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |