Jefferson City, MO · Charter 67802
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 2015, 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 67802
Q4 2015
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.01% | 0.14% | 0.12% | 0.11% | -0.67% | -68 bps | |
| Return on Equity | 0.08% | 1.28% | 1.04% | 0.94% | -6.26% | -634 bps | |
| Net Interest Margin | 2.56% | 2.37% | 2.33% | 2.40% | 2.46% | -10 bps | |
| Efficiency Ratio | 97.01% | 96.62% | 94.93% | 93.36% | 110.13% | +1,312 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.37% | 4.85% | 3.27% | 3.42% | 2.80% | -57 bps | |
| Loan Growth (YoY) | 11.91% | 10.03% | 15.23% | 13.52% | 5.03% | -688 bps | |
| Share Growth (YoY) | 0.58% | 1.93% | 1.97% | 2.34% | 3.63% | +304 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.64% | 0.42% | 0.41% | 0.78% | 0.72% | +8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.39% | 0.32% | 0.29% | 0.36% | 0.27% | -12 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.75% | 11.25% | 11.25% | 11.31% | 10.76% | -99 bps | |
| Net Worth / Assets | 11.75% | 11.25% | 11.25% | 11.31% | 10.76% | -99 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.64% | 46.28% | 52.24% | 53.16% | 51.32% | +68 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |