New Orleans, LA · Charter 12933
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 2007, 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.
New Orleans, LA · Charter 12933
Q3 2007
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 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.19% | 9.52% | -14.09% | -9.93% | -5.83% | -0.02% | 1.03% | 2.11% | +1,204 bps | |
| Return on Equity | -31.86% | 69.45% | -221% | -113.73% | -57.38% | -0.30% | 12.11% | 16.55% | +13,028 bps | |
| Net Interest Margin | 5.42% | 11.15% | 10.80% | 10.52% | 9.75% | 4.86% | 4.35% | 5.72% | -480 bps | |
| Efficiency Ratio | 79.19% | 14.63% | 50.96% | 49.62% | 47.24% | 100.46% | 77.12% | 64.08% | +1,446 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -22.08% | -21.68% | -33.94% | -42.11% | -37.73% | -12.91% | 3.60% | -10.55% | +3,157 bps | |
| Loan Growth (YoY) | -22.15% | -36.78% | -45.52% | -48.42% | -72.52% | -73.76% | -73.33% | -73.16% | -2,474 bps | |
| Share Growth (YoY) | -21.67% | -22.73% | -29.26% | -39.15% | -37.83% | -7.19% | 1.23% | -14.49% | +2,465 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 55.18% | 64.80% | 75.69% | 86.78% | 80.79% | 73.29% | 100.00% | 67.66% | -1,912 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 | 12.13% | 16.44% | 51.01% | 54.44% | 79.74% | 114.78% | 131.23% | 145.73% | +9,129 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.02% | 13.70% | 6.38% | 8.73% | 10.16% | 8.03% | 8.52% | 12.76% | +403 bps | |
| Net Worth / Assets | 10.02% | 13.70% | 6.38% | 8.73% | 10.16% | 8.03% | 8.52% | 12.76% | +403 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.32% | 35.25% | 33.23% | 36.75% | 17.82% | 9.97% | 8.75% | 11.53% | -2,521 bps | |
| Liquid Assets / Assets | 65.45% | 72.26% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |