Ellisville, MS · Charter 64170
Q4 1995
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1995, the quarter ended December 31, 1995, 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.
Ellisville, MS · Charter 64170
Q4 1995
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q1 1994 | Q2 1994 | Q4 1994 | Q2 1995 | Q4 1995 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 14.03% | 6.37% | 6.78% | -3.43% | 0.99% | -1,304 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | -6.15% | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -2.65% | n/a | n/a |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -6.51% | n/a | n/a |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.98% | 9.20% | 4.13% | 16.29% | 3.78% | -120 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.57% | 1.65% | 1.53% | 4.33% | 5.77% | +420 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.85% | 68.66% | 72.57% | 63.63% | 74.81% | +296 bps | |
| Liquid Assets / Assets | 22.73% | 22.94% | 22.00% | 20.83% | 10.12% | -1,261 bps | |