Clarksdale, MS · Charter 63869
NCUA · 1 branch
Q2 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2017, the quarter ended June 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.
Clarksdale, MS · Charter 63869
NCUA · 1 branch
Q2 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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.00% | 0.41% | -8.10% | -2.83% | -3.18% | -4.51% | -15.64% | -11.48% | -865 bps | |
| Return on Equity | -0.01% | 0.94% | -20.03% | -5.17% | -5.43% | -5.77% | -19.45% | -14.25% | -908 bps | |
| Net Interest Margin | 6.22% | 6.85% | 7.78% | 9.57% | 8.93% | 9.97% | 0.28% | 0.26% | -931 bps | |
| Efficiency Ratio | 100.06% | 94.58% | 196.73% | 125.37% | 131.11% | 139.53% | 2616% | 2023% | +189,798 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.28% | -0.29% | -6.03% | -31.46% | -37.86% | -47.73% | -52.16% | -38.23% | -677 bps | |
| Loan Growth (YoY) | -4.82% | 4.28% | 1.87% | -17.85% | -49.82% | -85.32% | -89.59% | -86.89% | -6,904 bps | |
| Share Growth (YoY) | -2.54% | -0.65% | -8.22% | -50.37% | -59.26% | -80.54% | -84.20% | -73.54% | -2,318 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 7.70% | 23.79% | 83.96% | 89.83% | +8,983 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 | 1.49% | 1.40% | 1.27% | 1.71% | 2.97% | 9.55% | 12.19% | 13.05% | +1,134 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 37.58% | 42.98% | 40.42% | 54.67% | 58.64% | 78.16% | 80.43% | 80.54% | +2,588 bps | |
| Net Worth / Assets | 37.58% | 42.98% | 40.42% | 54.67% | 58.64% | 78.16% | 80.43% | 80.54% | +2,588 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.95% | 78.10% | 80.90% | 104.94% | 72.62% | 58.94% | 53.33% | 52.02% | -5,292 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |