Bogalusa, LA · Charter 10557
Q2 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2013, the quarter ended June 30, 2013, 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.
Bogalusa, LA · Charter 10557
Q2 2013
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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.88% | 0.79% | 0.53% | -1.01% | -0.55% | -143 bps | |
| Return on Equity | 5.05% | 4.45% | 2.97% | -5.41% | -2.98% | -803 bps | |
| Net Interest Margin | 3.56% | 3.50% | 3.71% | 3.72% | 3.49% | -7 bps | |
| Efficiency Ratio | 77.01% | 79.64% | 86.80% | 126.57% | 115.33% | +3,832 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.80% | -0.07% | -3.29% | -6.84% | -6.08% | -528 bps | |
| Loan Growth (YoY) | -1.72% | 15.52% | 8.95% | 2.39% | -2.93% | -121 bps | |
| Share Growth (YoY) | -1.68% | -1.11% | -4.95% | -8.87% | -7.86% | -618 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.07% | 5.34% | 7.58% | 9.56% | 13.34% | +727 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.84% | 3.42% | 2.42% | 2.81% | 3.13% | -71 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.37% | 17.64% | 17.93% | 18.62% | 18.62% | +125 bps | |
| Net Worth / Assets | 17.37% | 17.64% | 17.93% | 18.62% | 18.62% | +125 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 33.02% | 39.68% | 39.93% | 36.85% | 34.78% | +177 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |