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Epa

Jackson, MS · Charter 63701

NCUA · 1 branch

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

Epa

Jackson, MS · Charter 63701

NCUA · 1 branch

Q1 2017

$22.1MAssets
$8.1MLoans
$19.4MShares
$2.6MNet Worth

Executive Summary

  • Earnings: ROA of 0.23%, down 25 bps year over year; NIM at 2.14%.
  • Asset quality: problem loans at 0.90% of loans (+38 bps YoY).
  • Capital: net worth / assets of 11.70%, up 14 bps from a year ago.
  • Funding: loans stand at 41.86% of shares as of Q1 2017.

Return on Assets (YTD, annualized)

0.23%-25 bps YoY

Net Interest Margin (YTD, annualized)

2.14%+10 bps YoY

Efficiency Ratio (YTD, annualized)

78.45%+36 bps YoY

Net Worth / Assets

11.70%+14 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets0.42%0.44%0.64%0.48%0.31%0.44%0.35%0.23%-25 bps
Return on Equity3.49%3.70%5.37%4.19%2.61%3.67%2.96%1.99%-221 bps
Net Interest Margin2.08%2.04%2.04%2.04%2.02%2.07%1.97%2.14%+10 bps
Efficiency Ratio85.40%82.79%75.40%78.10%81.23%76.97%79.98%78.45%+36 bps
Growth
Asset Growth (YoY)0.57%5.30%7.06%9.05%10.10%7.24%7.19%3.92%-514 bps
Loan Growth (YoY)7.51%9.67%9.98%14.19%14.06%11.37%10.67%3.63%-1,056 bps
Share Growth (YoY)0.05%5.46%7.23%9.44%10.79%7.38%7.67%4.12%-532 bps
Asset Quality
Delinquent Loans / Loans0.33%0.60%0.54%0.52%0.56%0.87%0.83%0.90%+38 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.14%0.12%0.11%0.11%0.10%0.13%0.13%0.16%+5 bps
Capital
Risk-Based Capital11.95%11.76%11.90%11.56%11.72%11.89%11.75%11.70%+14 bps
Net Worth / Assets11.95%11.76%11.90%11.56%11.72%11.89%11.75%11.70%+14 bps
Liquidity & Funding
Loans / Shares40.49%41.74%41.69%42.06%41.68%43.29%42.85%41.86%-19 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps