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Bogalusa Schools

Bogalusa, LA · Charter 10557

Q2 2013

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: 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.

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

Bogalusa Schools

Bogalusa, LA · Charter 10557

Q2 2013

$1.3MAssets
$357KLoans
$1.0MShares
$238KNet Worth

Executive Summary

  • Earnings: ROA of -0.55%, down 143 bps year over year; NIM at 3.49%.
  • Asset quality: problem loans at 13.34% of loans (+727 bps YoY).
  • Capital: net worth / assets of 18.62%, up 125 bps from a year ago.
  • Funding: loans stand at 34.78% of shares as of Q2 2013.

Return on Assets (YTD, annualized)

-0.55%-143 bps YoY

Net Interest Margin (YTD, annualized)

3.49%-7 bps YoY

Efficiency Ratio (YTD, annualized)

115.33%+3,832 bps YoY

Net Worth / Assets

18.62%+125 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets0.24%0.71%1.17%0.88%0.79%0.53%-1.01%-0.55%-143 bps
Return on Equity1.48%4.26%6.86%5.05%4.45%2.97%-5.41%-2.98%-803 bps
Net Interest Margin3.19%3.60%3.69%3.56%3.50%3.71%3.72%3.49%-7 bps
Efficiency Ratio92.67%81.02%71.10%77.01%79.64%86.80%126.57%115.33%+3,832 bps
Growth
Asset Growth (YoY)-2.56%1.00%1.31%-0.80%-0.07%-3.29%-6.84%-6.08%-528 bps
Loan Growth (YoY)4.39%9.61%2.11%-1.72%15.52%8.95%2.39%-2.93%-121 bps
Share Growth (YoY)-2.53%0.84%0.71%-1.68%-1.11%-4.95%-8.87%-7.86%-618 bps
Asset Quality
Delinquent Loans / Loans5.71%8.37%7.40%6.07%5.34%7.58%9.56%13.34%+727 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans4.01%3.97%2.51%3.84%3.42%2.42%2.81%3.13%-71 bps
Capital
Risk-Based Capital16.30%16.62%17.07%17.37%17.64%17.93%18.62%18.62%+125 bps
Net Worth / Assets16.30%16.62%17.07%17.37%17.64%17.93%18.62%18.62%+125 bps
Liquidity & Funding
Loans / Shares33.97%34.84%32.80%33.02%39.68%39.93%36.85%34.78%+177 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps