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MBHS

Jackson, MS · Charter 9567

NCUA · 1 branch

Q4 2021

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2021, the quarter ended December 31, 2021, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

MBHS

Jackson, MS · Charter 9567

NCUA · 1 branch

Q4 2021

$16.3MAssets
$7.7MLoans
$13.9MShares
$2.4MNet Worth

Executive Summary

  • Earnings: ROA of 0.80%, up 5 bps year over year; NIM at 2.09%.
  • Asset quality: problem loans at 0.02% of loans (-20 bps YoY).
  • Capital: net worth / assets of 14.56%, down 84 bps from a year ago.
  • Funding: loans stand at 55.63% of shares as of Q4 2021.

Return on Assets (YTD, annualized)

0.80%+5 bps YoY

Net Interest Margin (YTD, annualized)

2.09%-40 bps YoY

Efficiency Ratio (YTD, annualized)

82.93%+86 bps YoY

Net Worth / Assets

14.56%-84 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2020Q2 2020Q3 2020Q4 2020Q1 2021Q2 2021Q3 2021Q4 2021YoY ΔTrend
Earnings
Return on Assets1.31%0.87%0.90%0.75%1.05%0.89%1.01%0.80%+5 bps
Return on Equity7.82%5.42%5.83%4.90%7.35%6.11%6.82%5.49%+60 bps
Net Interest Margin3.00%2.75%2.55%2.49%2.10%2.09%2.11%2.09%-40 bps
Efficiency Ratio75.00%80.08%79.41%82.08%80.34%82.19%79.39%82.93%+86 bps
Growth
Asset Growth (YoY)7.81%17.52%22.16%25.22%23.47%15.90%10.86%11.93%-1,329 bps
Loan Growth (YoY)-1.90%0.22%1.37%4.21%8.24%6.22%9.36%4.16%-5 bps
Share Growth (YoY)8.25%19.79%25.56%29.51%26.67%17.72%11.80%13.13%-1,638 bps
Asset Quality
Delinquent Loans / Loans0.34%0.26%0.01%0.21%0.00%0.00%0.05%0.02%-20 bps
Net Charge-Offs / Loans0.42%n/an/an/an/an/an/an/an/an/a
Allowance / Loans0.40%0.46%0.41%0.36%0.31%0.37%0.42%0.43%+7 bps
Capital
Risk-Based Capital16.74%15.97%15.52%15.40%14.24%14.54%14.83%14.56%-84 bps
Net Worth / Assets16.74%15.97%15.52%15.40%14.24%14.54%14.83%14.56%-84 bps
Liquidity & Funding
Loans / Shares64.94%62.53%59.81%60.42%55.49%56.43%58.50%55.63%-479 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps