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Mississippi Farm Bureau Employees

Jackson, MS · Charter 63874

NCUA · 3 branches

Q2 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: 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.

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

Mississippi Farm Bureau Employees

Jackson, MS · Charter 63874

NCUA · 3 branches

Q2 2017

$14.6MAssets
$3.4MLoans
$12.7MShares
$1.8MNet Worth

Executive Summary

  • Earnings: ROA of -0.14%, down 10 bps year over year; NIM at 1.71%.
  • Asset quality: problem loans at 0.07% of loans (-4 bps YoY).
  • Capital: net worth / assets of 12.57%, down 33 bps from a year ago.
  • Funding: loans stand at 27.00% of shares as of Q2 2017.

Return on Assets (YTD, annualized)

-0.14%-10 bps YoY

Net Interest Margin (YTD, annualized)

1.71%+18 bps YoY

Efficiency Ratio (YTD, annualized)

95.70%-816 bps YoY

Net Worth / Assets

12.57%-33 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets0.07%0.07%0.09%-0.04%0.03%0.07%-0.23%-0.14%-10 bps
Return on Equity0.55%0.50%0.69%-0.33%0.27%0.50%-1.78%-1.11%-78 bps
Net Interest Margin1.65%1.63%1.48%1.53%1.54%1.57%1.75%1.71%+18 bps
Efficiency Ratio96.77%96.93%103.16%103.86%98.82%98.83%93.70%95.70%-816 bps
Growth
Asset Growth (YoY)2.70%2.24%2.57%1.82%4.60%2.94%3.36%2.72%+90 bps
Loan Growth (YoY)5.25%11.00%14.36%10.94%10.49%6.73%-0.17%-0.14%-1,108 bps
Share Growth (YoY)3.03%2.45%2.86%2.11%5.27%3.31%3.89%3.11%+99 bps
Asset Quality
Delinquent Loans / Loans0.13%0.17%0.14%0.11%0.17%0.19%0.16%0.07%-4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.30%0.28%0.14%0.17%0.15%0.02%0.19%0.20%+3 bps
Capital
Risk-Based Capital13.23%13.22%13.09%12.90%12.69%12.91%12.65%12.57%-33 bps
Net Worth / Assets13.23%13.22%13.09%12.90%12.69%12.91%12.65%12.57%-33 bps
Liquidity & Funding
Loans / Shares27.03%28.20%28.28%27.88%28.37%29.13%27.18%27.00%-88 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps