Roseland, LA · Charter 14405
Q2 1999
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 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.93% | 3.16% | 2.54% | 2.70% | 2.74% | 2.40% | 1.19% | 3.01% | +31 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | 0.71% | 1.60% | -10.71% | -10.59% | -14.80% | -14.46% | 5.05% | +1,576 bps | |
| Loan Growth (YoY) | n/a | 7.76% | -10.99% | -13.38% | 5.09% | -15.29% | -1.09% | -4.92% | +846 bps | |
| Share Growth (YoY) | n/a | -2.35% | 0.87% | -21.69% | -20.47% | -21.15% | -19.14% | 6.18% | +2,788 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.81% | 0.27% | 0.59% | 0.00% | 3.71% | 29.59% | 16.12% | 0.00% | 0 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 | 17.78% | 9.83% | 11.06% | 13.21% | 10.37% | 15.24% | 14.50% | 18.08% | +486 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.60% | 72.70% | 63.97% | 71.21% | 91.97% | 78.11% | 78.24% | 63.76% | -745 bps | |
| Liquid Assets / Assets | 29.05% | 28.19% | 27.67% | 34.14% | 34.62% | 36.09% | 34.90% | 35.82% | +168 bps | |