Gonzales, LA · Charter 12646
Q1 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.07% | -0.52% | -1.36% | 0.35% | 0.68% | 0.49% | 0.33% | -3.41% | -376 bps | |
| Return on Equity | -0.80% | -5.83% | -16.74% | 4.21% | 7.74% | 5.52% | 3.72% | -42.91% | -4,711 bps | |
| Net Interest Margin | 4.22% | 4.32% | 4.38% | 4.07% | 4.09% | 3.97% | 3.90% | 3.14% | -93 bps | |
| Efficiency Ratio | 77.59% | 76.92% | 76.75% | 81.15% | 83.28% | 85.66% | 88.54% | 132.23% | +5,108 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.03% | -0.73% | -1.13% | -4.80% | -8.19% | -5.14% | -5.31% | -2.70% | +210 bps | |
| Loan Growth (YoY) | -10.96% | -12.59% | -16.37% | -17.40% | -20.94% | -21.53% | -20.62% | -23.32% | -592 bps | |
| Share Growth (YoY) | 2.11% | -0.48% | -0.05% | -4.39% | -8.64% | -5.91% | -6.03% | -1.11% | +328 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.46% | 5.77% | 4.17% | 3.36% | 3.37% | 3.05% | 4.96% | 2.00% | -136 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 | 1.94% | 1.82% | 1.90% | 2.28% | 2.32% | 1.91% | 1.59% | 1.11% | -117 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.02% | 8.96% | 8.14% | 8.34% | 8.79% | 8.81% | 8.93% | 7.96% | -38 bps | |
| Net Worth / Assets | 9.02% | 8.96% | 8.14% | 8.34% | 8.79% | 8.81% | 8.93% | 7.96% | -38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.98% | 67.79% | 63.84% | 61.95% | 59.70% | 56.53% | 53.93% | 48.04% | -1,391 bps | |
| Liquid Assets / Assets | 21.33% | 20.46% | 27.39% | 27.42% | 32.44% | 34.25% | 34.44% | 41.80% | +1,438 bps | |