Ruston, LA · Charter 13569
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 31, 2006, 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.
Ruston, LA · Charter 13569
Q4 2006
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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.03% | -3.62% | -3.21% | -2.74% | -0.89% | -1.53% | -1.69% | -1.62% | +112 bps | |
| Return on Equity | -23.18% | -51.27% | -43.05% | -37.80% | -12.54% | -23.25% | -27.30% | -27.44% | +1,035 bps | |
| Net Interest Margin | 4.82% | 4.56% | 5.20% | 5.23% | 5.47% | 5.78% | 5.69% | 5.48% | +25 bps | |
| Efficiency Ratio | 138.21% | 168.39% | 153.44% | 144.20% | 113.11% | 121.81% | 124.93% | 124.38% | -1,982 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.11% | 7.68% | -5.32% | -7.84% | -10.77% | -12.24% | -3.72% | -3.46% | +439 bps | |
| Loan Growth (YoY) | -28.67% | -21.64% | -12.19% | 15.73% | 23.05% | 10.15% | 7.30% | 8.22% | -751 bps | |
| Share Growth (YoY) | 13.55% | 11.60% | -2.64% | -5.85% | -9.46% | -11.80% | -2.40% | -2.03% | +382 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.89% | 17.59% | 17.81% | 18.33% | 20.83% | 13.75% | 0.01% | 12.67% | -566 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 | 2.82% | 1.20% | 1.23% | 1.29% | 0.98% | 1.09% | 1.16% | 1.03% | -26 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.74% | 7.07% | 7.47% | 7.25% | 7.10% | 6.59% | 6.19% | 5.89% | -136 bps | |
| Net Worth / Assets | 8.74% | 7.07% | 7.47% | 7.25% | 7.10% | 6.59% | 6.19% | 5.89% | -136 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.02% | 44.43% | 52.78% | 59.58% | 59.83% | 55.49% | 58.02% | 65.82% | +623 bps | |
| Liquid Assets / Assets | 58.50% | 56.92% | 49.22% | 42.92% | 42.36% | 0.00% | 0.00% | 0.00% | -4,292 bps | |