New Orleans, LA · Charter 10282
Q4 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.33% | 2.08% | 2.24% | -23.58% | -25.57% | -15.46% | -509% | -290% | -26,600 bps | |
| Return on Equity | -0.98% | 5.83% | 6.07% | -93.84% | -122.22% | -60.14% | n/a | n/a | n/a | |
| Net Interest Margin | 8.76% | 12.14% | 9.35% | 13.83% | 5.29% | 3.43% | 88.96% | 13.26% | -57 bps | |
| Efficiency Ratio | 103.78% | 82.84% | 76.03% | 80.93% | 583% | 551% | 117.59% | 227% | +14,624 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.71% | -5.97% | -3.49% | -26.20% | -36.56% | -46.46% | -81.78% | -75.90% | -4,970 bps | |
| Loan Growth (YoY) | 0.15% | 9.18% | 7.19% | -16.95% | -5.60% | -23.20% | -98.44% | -100.00% | -8,305 bps | |
| Share Growth (YoY) | -5.99% | -9.74% | -6.90% | -12.52% | -26.06% | -65.80% | -15.18% | -6.20% | +632 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.62% | 29.61% | 30.30% | 79.30% | 93.27% | 98.40% | 100.00% | n/a | n/a | |
| 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 | 0.46% | 0.40% | 0.41% | 26.31% | 26.36% | 27.86% | 0.00% | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 33.61% | 35.74% | 36.92% | 25.13% | 20.92% | 25.70% | -188.37% | -185.31% | -21,044 bps | |
| Net Worth / Assets | 33.61% | 35.74% | 36.92% | 25.13% | 20.92% | 25.70% | -188.37% | -185.31% | -21,044 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 111.65% | 143.31% | 142.44% | 138.73% | 142.54% | 322% | 2.62% | 0.00% | -13,873 bps | |
| Liquid Assets / Assets | 22.84% | 8.09% | 8.88% | 20.58% | 13.90% | 0.00% | 0.00% | 0.00% | -2,058 bps | |