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Pearl Municipal

Pearl, MS · Charter 65689

NCUA · 2 branches

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

Pearl Municipal

Pearl, MS · Charter 65689

NCUA · 2 branches

Q1 2017

$1.3MAssets
$630KLoans
$1.1MShares
$222KNet Worth

Executive Summary

  • Earnings: ROA of 0.77%, up 5 bps year over year; NIM at 5.57%.
  • Asset quality: problem loans at 0.14% of loans (-187 bps YoY).
  • Capital: net worth / assets of 17.12%, up 159 bps from a year ago.
  • Funding: loans stand at 58.89% of shares as of Q1 2017.

Return on Assets (YTD, annualized)

0.77%+5 bps YoY

Net Interest Margin (YTD, annualized)

5.57%+31 bps YoY

Efficiency Ratio (YTD, annualized)

79.36%-918 bps YoY

Net Worth / Assets

17.12%+159 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets2.92%2.81%2.94%0.72%1.94%3.02%3.21%0.77%+5 bps
Return on Equity19.98%18.08%18.39%4.62%11.99%17.93%18.41%4.49%-13 bps
Net Interest Margin5.73%5.94%6.10%5.26%5.71%5.85%6.26%5.57%+31 bps
Efficiency Ratio73.50%65.98%65.84%88.54%76.53%61.48%61.10%79.36%-918 bps
Growth
Asset Growth (YoY)1.11%-2.24%3.32%7.68%6.10%12.88%12.19%11.16%+348 bps
Loan Growth (YoY)11.38%7.12%-1.00%1.63%-0.35%13.25%11.31%0.19%-144 bps
Share Growth (YoY)-1.23%-5.25%0.32%6.01%4.20%11.36%10.23%9.10%+309 bps
Asset Quality
Delinquent Loans / Loans2.78%0.06%0.05%2.01%1.72%0.00%0.32%0.14%-187 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.68%2.00%1.77%1.80%1.26%0.92%0.84%0.99%-82 bps
Capital
Risk-Based Capital14.62%15.54%15.97%15.53%16.17%16.85%17.45%17.12%+159 bps
Net Worth / Assets14.62%15.54%15.97%15.53%16.17%16.85%17.45%17.12%+159 bps
Liquidity & Funding
Loans / Shares68.47%66.78%65.54%64.13%65.48%67.92%66.18%58.89%-524 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps