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Columbus Municipal

Columbus, MS · Charter 66839

NCUA · 1 branch

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

Columbus Municipal

Columbus, MS · Charter 66839

NCUA · 1 branch

Q1 2017

$11.5MAssets
$5.0MLoans
$9.6MShares
$1.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.17%, up 35 bps year over year; NIM at 2.98%.
  • Asset quality: problem loans at 0.52% of loans (+20 bps YoY).
  • Capital: net worth / assets of 16.42%, up 62 bps from a year ago.
  • Funding: loans stand at 52.48% of shares as of Q1 2017.

Financial Results

Return on Assets (YTD, annualized)

-0.17%+35 bps YoY

Net Interest Margin (YTD, annualized)

2.98%+35 bps YoY

Efficiency Ratio (YTD, annualized)

94.44%-849 bps YoY

Net Worth / Assets

16.42%+62 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets-0.52%-0.05%0.07%0.06%-0.17%+35 bps
Return on Equity-3.31%-0.33%0.41%0.35%-1.06%+225 bps
Net Interest Margin2.64%2.80%2.99%3.11%2.98%+35 bps
Efficiency Ratio102.93%93.43%91.07%90.00%94.44%-849 bps
Growth
Asset Growth (YoY)6.80%7.17%2.47%-3.40%-2.88%-967 bps
Loan Growth (YoY)-6.18%7.56%15.06%18.61%16.59%+2,277 bps
Share Growth (YoY)8.62%8.95%3.08%-4.11%-3.58%-1,220 bps
Asset Quality
Delinquent Loans / Loans0.32%0.40%0.56%0.70%0.52%+20 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.81%0.76%0.75%0.79%0.83%+2 bps
Capital
Risk-Based Capital15.80%16.09%16.65%17.03%16.42%+62 bps
Net Worth / Assets15.80%16.09%16.65%17.03%16.42%+62 bps
Liquidity & Funding
Loans / Shares43.40%48.54%53.65%55.51%52.48%+908 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps