Yazoo City, MS · Charter 8269
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 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.
Yazoo City, MS · Charter 8269
Q2 2015
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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.88% | -0.75% | 0.31% | 0.61% | 0.36% | 0.44% | -0.17% | -0.07% | -67 bps | |
| Return on Equity | -7.72% | -6.44% | 2.71% | 5.46% | 3.11% | 3.72% | -1.43% | -0.57% | -602 bps | |
| Net Interest Margin | 2.61% | 2.76% | 2.91% | 2.86% | 2.91% | 2.99% | 2.78% | 2.87% | +2 bps | |
| Efficiency Ratio | 111.54% | 109.97% | 94.20% | 83.79% | 88.83% | 87.94% | 96.59% | 99.52% | +1,574 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.30% | -5.10% | -5.92% | -2.41% | 1.47% | 3.47% | 0.10% | -1.64% | +77 bps | |
| Loan Growth (YoY) | -15.85% | -9.24% | -5.46% | 3.37% | 8.16% | 1.18% | 0.15% | -1.68% | -506 bps | |
| Share Growth (YoY) | -1.96% | -4.78% | -6.40% | -2.54% | 1.75% | 3.36% | 0.09% | -1.83% | +70 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.13% | 0.32% | 0.05% | 0.28% | 0.67% | 0.78% | 1.51% | 1.15% | +87 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 | 0.51% | 0.51% | 0.46% | 0.51% | 0.56% | 0.56% | 0.64% | 0.52% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.42% | 11.71% | 11.33% | 11.17% | 11.46% | 11.76% | 11.64% | 11.57% | +41 bps | |
| Net Worth / Assets | 11.42% | 11.71% | 11.33% | 11.17% | 11.46% | 11.76% | 11.64% | 11.57% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.87% | 41.19% | 39.26% | 40.73% | 42.38% | 40.32% | 39.29% | 40.79% | +6 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |