Natchez, MS · Charter 63821
NCUA · 1 branch
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.
Natchez, MS · Charter 63821
NCUA · 1 branch
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 | 0.38% | -0.97% | -1.25% | -0.92% | -0.47% | -3.92% | -3.05% | -2.26% | -135 bps | |
| Return on Equity | 1.10% | -2.77% | -3.36% | -2.41% | -1.25% | -10.95% | -8.72% | -6.26% | -384 bps | |
| Net Interest Margin | 4.92% | 4.29% | 4.33% | 4.61% | 4.58% | 4.06% | 3.46% | 3.98% | -63 bps | |
| Efficiency Ratio | 88.11% | 108.44% | 106.38% | 102.82% | 98.39% | 91.61% | 117.41% | 102.76% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.91% | -8.83% | -15.04% | -10.22% | -8.28% | -10.79% | -3.10% | -4.57% | +565 bps | |
| Loan Growth (YoY) | -18.40% | -21.93% | -6.86% | -13.79% | -10.59% | -16.00% | 0.73% | 6.63% | +2,042 bps | |
| Share Growth (YoY) | -10.62% | -12.92% | -21.38% | -14.75% | -12.08% | -12.06% | 0.15% | -2.25% | +1,250 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.30% | 1.17% | 1.20% | 2.57% | 4.97% | 2.99% | 3.12% | 1.13% | -143 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 | 0.83% | 1.28% | 1.26% | 1.47% | 1.37% | 3.27% | 2.27% | 3.26% | +179 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 34.86% | 34.89% | 37.30% | 37.96% | 37.59% | 35.84% | 34.96% | 36.19% | -177 bps | |
| Net Worth / Assets | 34.86% | 34.89% | 37.30% | 37.96% | 37.59% | 35.84% | 34.96% | 36.19% | -177 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.24% | 31.58% | 43.24% | 41.68% | 42.96% | 30.17% | 43.49% | 45.47% | +379 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |