Jefferson City, MO · Charter 67727
NCUA · 1 branch
Q1 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2018, the quarter ended March 31, 2018, 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.
Jefferson City, MO · Charter 67727
NCUA · 1 branch
Q1 2018
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 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 0.25% | 0.18% | -0.74% | -0.47% | -0.34% | -0.63% | -2.77% | -203 bps | |
| Return on Equity | 4.42% | 3.33% | 2.36% | -10.42% | -6.86% | -4.97% | -9.47% | -44.92% | -3,450 bps | |
| Net Interest Margin | 4.28% | 4.48% | 4.62% | 4.00% | 3.91% | 3.88% | 3.94% | 3.86% | -13 bps | |
| Efficiency Ratio | 90.36% | 90.27% | 89.97% | 94.09% | 95.44% | 97.37% | 98.24% | 147.82% | +5,373 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.79% | 4.16% | 1.63% | 0.54% | -0.13% | 4.43% | 6.58% | -3.39% | -393 bps | |
| Loan Growth (YoY) | 5.10% | 3.80% | -2.04% | -9.61% | -10.29% | -10.73% | -10.38% | -11.44% | -183 bps | |
| Share Growth (YoY) | 6.71% | 3.84% | 2.85% | 2.30% | 0.84% | 6.13% | 7.41% | -2.36% | -465 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.85% | 1.25% | 2.44% | 1.28% | 1.06% | 0.87% | 1.62% | 0.12% | -116 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 | 0.50% | 0.43% | 0.61% | 0.60% | 0.74% | 0.48% | 0.43% | 0.26% | -34 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.13% | 7.46% | 7.75% | 7.07% | 6.91% | 6.88% | 6.64% | 6.17% | -90 bps | |
| Net Worth / Assets | 7.13% | 7.46% | 7.75% | 7.07% | 6.91% | 6.88% | 6.64% | 6.17% | -90 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.14% | 86.96% | 86.60% | 76.49% | 73.96% | 73.14% | 72.26% | 69.37% | -712 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 98.13% | 0.00% | 0.00% | 0.00% | 0 bps | |