Arabi, LA · Charter 11672
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
Arabi, LA · Charter 11672
Q3 2005
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.19% | 0.31% | 0.37% | 0.54% | 0.63% | +43 bps | |
| Return on Equity | 2.06% | 2.99% | 3.66% | 5.17% | 5.84% | +378 bps | |
| Net Interest Margin | 3.83% | 4.37% | 4.43% | 4.69% | 4.48% | +65 bps | |
| Efficiency Ratio | 105.47% | 100.80% | 92.30% | 89.48% | 87.12% | -1,835 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.20% | -2.04% | -3.08% | -5.46% | -8.16% | -936 bps | |
| Loan Growth (YoY) | 7.36% | 18.81% | 26.72% | 17.17% | 16.04% | +868 bps | |
| Share Growth (YoY) | 1.56% | -2.59% | -3.86% | -6.74% | -9.82% | -1,138 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.08% | 0.06% | 0.89% | 0.04% | 3.72% | +364 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.47% | 0.54% | 0.62% | 0.80% | 0.79% | +32 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.28% | 10.28% | 10.24% | 10.42% | 10.71% | +144 bps | |
| Net Worth / Assets | 9.28% | 10.28% | 10.24% | 10.42% | 10.71% | +144 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.01% | 57.43% | 61.52% | 60.49% | 63.07% | +1,406 bps | |
| Liquid Assets / Assets | 49.35% | 42.31% | 40.80% | 37.63% | 28.35% | -2,100 bps | |