Jackson, MS · Charter 6320
NCUA · 1 branch
Q1 2018
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.03% | 0.06% | -0.15% | -0.47% | -0.74% | -0.79% | -0.98% | 0.22% | +68 bps | |
| Return on Equity | -0.24% | 0.46% | -1.11% | -3.48% | -5.41% | -5.74% | -7.25% | 1.57% | +505 bps | |
| Net Interest Margin | 2.44% | 2.45% | 2.50% | 2.49% | 2.50% | 2.57% | 2.60% | 2.66% | +17 bps | |
| Efficiency Ratio | 85.46% | 84.90% | 89.39% | 85.08% | 88.94% | 88.22% | 91.80% | 90.84% | +576 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.76% | -4.14% | -4.11% | -4.44% | -6.11% | -8.45% | -6.69% | -8.60% | -417 bps | |
| Loan Growth (YoY) | 2.91% | 4.74% | -11.59% | -11.81% | -15.09% | -21.59% | -18.52% | -20.41% | -860 bps | |
| Share Growth (YoY) | -7.47% | -4.47% | -4.53% | -4.84% | -6.48% | -8.92% | -6.70% | -9.09% | -424 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.56% | 2.04% | 4.22% | 4.67% | 5.13% | 3.20% | 0.00% | 0.11% | -456 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 | 1.98% | 1.78% | 1.89% | 2.21% | 2.56% | 3.08% | 3.43% | 3.47% | +126 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.25% | 13.30% | 13.48% | 13.40% | 13.61% | 13.73% | 13.48% | 13.85% | +44 bps | |
| Net Worth / Assets | 13.25% | 13.30% | 13.48% | 13.40% | 13.61% | 13.73% | 13.48% | 13.85% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 22.07% | 22.13% | 22.78% | 20.31% | 20.04% | 19.05% | 19.89% | 17.78% | -253 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |