Arabi, LA · Charter 11672
Q3 2005
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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.15% | -0.28% | -0.31% | 0.19% | 0.31% | 0.37% | 0.54% | 0.63% | +43 bps | |
| Return on Equity | -11.81% | -2.96% | -3.38% | 2.06% | 2.99% | 3.66% | 5.17% | 5.84% | +378 bps | |
| Net Interest Margin | 3.48% | 3.93% | 3.80% | 3.83% | 4.37% | 4.43% | 4.69% | 4.48% | +65 bps | |
| Efficiency Ratio | 130.09% | 106.48% | 107.42% | 105.47% | 100.80% | 92.30% | 89.48% | 87.12% | -1,835 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.89% | 5.89% | 2.77% | 1.20% | -2.04% | -3.08% | -5.46% | -8.16% | -936 bps | |
| Loan Growth (YoY) | -12.07% | -5.39% | 8.10% | 7.36% | 18.81% | 26.72% | 17.17% | 16.04% | +868 bps | |
| Share Growth (YoY) | 7.06% | 7.71% | 4.32% | 1.56% | -2.59% | -3.86% | -6.74% | -9.82% | -1,138 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.19% | 1.62% | 2.69% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.76% | 1.30% | 1.23% | 0.47% | 0.54% | 0.62% | 0.80% | 0.79% | +32 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.78% | 9.48% | 9.16% | 9.28% | 10.28% | 10.24% | 10.42% | 10.71% | +144 bps | |
| Net Worth / Assets | 9.78% | 9.48% | 9.16% | 9.28% | 10.28% | 10.24% | 10.42% | 10.71% | +144 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.09% | 46.68% | 48.15% | 49.01% | 57.43% | 61.52% | 60.49% | 63.07% | +1,406 bps | |
| Liquid Assets / Assets | 50.76% | 47.53% | 49.47% | 49.35% | 42.31% | 40.80% | 37.63% | 28.35% | -2,100 bps | |