Biloxi, MS · Charter 68424
NCUA · 3 branches
Q1 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2019, the quarter ended March 31, 2019, 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.
Biloxi, MS · Charter 68424
NCUA · 3 branches
Q1 2019
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 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.92% | -1.26% | -1.01% | -0.95% | -1.14% | -0.98% | -1.04% | -23.18% | -2,222 bps | |
| Return on Equity | -9.43% | -12.68% | -9.99% | -9.68% | -12.37% | -10.35% | -11.50% | -604% | -59,423 bps | |
| Net Interest Margin | 5.04% | 5.21% | 5.20% | 4.37% | 4.11% | 4.30% | 4.27% | 4.28% | -8 bps | |
| Efficiency Ratio | 115.85% | 118.29% | 114.27% | 115.83% | 112.48% | 109.39% | 107.36% | 430% | +31,379 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.30% | -7.89% | -8.42% | -8.51% | -4.59% | -2.55% | 1.13% | -5.96% | +255 bps | |
| Loan Growth (YoY) | -25.41% | -25.94% | -23.17% | -24.39% | -25.51% | -26.05% | -27.45% | -25.21% | -82 bps | |
| Share Growth (YoY) | 6.94% | -7.20% | -8.76% | -9.05% | -4.65% | -1.69% | 3.77% | 0.85% | +991 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.67% | 2.23% | 2.15% | 4.54% | 2.03% | 1.89% | 2.97% | 1.49% | -304 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 | 2.93% | 2.96% | 2.92% | 2.89% | 2.48% | 2.41% | 2.36% | 2.04% | -85 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.77% | 9.95% | 10.15% | 9.86% | 9.18% | 9.43% | 9.00% | 3.84% | -602 bps | |
| Net Worth / Assets | 9.77% | 9.95% | 10.15% | 9.86% | 9.18% | 9.43% | 9.00% | 3.84% | -602 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.56% | 58.35% | 58.41% | 52.21% | 45.74% | 43.89% | 40.84% | 38.72% | -1,349 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |