Marianna, FL · Charter 67291
NCUA · 1 branch
Q2 2018
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | 0.73% | 0.45% | -0.22% | 0.74% | 0.68% | -0.31% | -1.09% | -87 bps | |
| Return on Equity | 1.72% | 2.73% | 1.55% | -0.75% | 2.85% | 2.47% | -1.05% | -5.28% | -453 bps | |
| Net Interest Margin | 5.66% | 5.76% | 6.22% | 5.69% | 6.11% | 6.36% | 6.16% | 6.09% | +40 bps | |
| Efficiency Ratio | 75.93% | 70.64% | 80.17% | 86.12% | 77.45% | 81.68% | 105.08% | 117.70% | +3,158 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.49% | 2.02% | -5.21% | -7.39% | -10.74% | -14.56% | -15.52% | -28.37% | -2,098 bps | |
| Loan Growth (YoY) | 2.08% | -5.40% | -9.69% | -2.00% | -4.39% | -21.68% | -28.33% | -48.48% | -4,648 bps | |
| Share Growth (YoY) | 0.97% | 2.17% | -7.94% | -11.23% | -10.89% | -16.61% | -16.59% | -18.84% | -761 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.79% | 6.12% | 7.26% | 7.14% | 9.31% | 9.24% | 7.76% | 0.00% | -714 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 | 2.20% | 1.93% | 2.42% | 1.97% | 4.13% | 2.25% | 1.65% | 15.38% | +1,341 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 26.56% | 26.94% | 28.85% | 28.81% | 25.94% | 27.66% | 29.80% | 20.61% | -820 bps | |
| Net Worth / Assets | 26.56% | 26.94% | 28.85% | 28.81% | 25.94% | 27.66% | 29.80% | 20.61% | -820 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.91% | 94.13% | 96.69% | 102.34% | 98.62% | 88.41% | 83.08% | 64.96% | -3,738 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |