Columbus, MS · Charter 66839
NCUA · 1 branch
Q1 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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.04% | 0.01% | -0.12% | -0.52% | -0.05% | 0.07% | 0.06% | -0.17% | +35 bps | |
| Return on Equity | 0.23% | 0.05% | -0.72% | -3.31% | -0.33% | 0.41% | 0.35% | -1.06% | +225 bps | |
| Net Interest Margin | 2.89% | 2.88% | 2.78% | 2.64% | 2.80% | 2.99% | 3.11% | 2.98% | +35 bps | |
| Efficiency Ratio | 95.28% | 96.59% | 98.87% | 102.93% | 93.43% | 91.07% | 90.00% | 94.44% | -849 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.00% | 5.91% | 8.12% | 6.80% | 7.17% | 2.47% | -3.40% | -2.88% | -967 bps | |
| Loan Growth (YoY) | -10.73% | -8.91% | -8.24% | -6.18% | 7.56% | 15.06% | 18.61% | 16.59% | +2,277 bps | |
| Share Growth (YoY) | 3.95% | 7.35% | 9.90% | 8.62% | 8.95% | 3.08% | -4.11% | -3.58% | -1,220 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.90% | 0.89% | 0.57% | 0.32% | 0.40% | 0.56% | 0.70% | 0.52% | +20 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 | 0.81% | 0.73% | 0.81% | 0.81% | 0.76% | 0.75% | 0.79% | 0.83% | +2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.42% | 17.13% | 16.40% | 15.80% | 16.09% | 16.65% | 17.03% | 16.42% | +62 bps | |
| Net Worth / Assets | 17.42% | 17.13% | 16.40% | 15.80% | 16.09% | 16.65% | 17.03% | 16.42% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.17% | 48.07% | 44.88% | 43.40% | 48.54% | 53.65% | 55.51% | 52.48% | +908 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |