Baton Rouge, LA · Charter 15527
Q1 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | -0.04% | -0.12% | -0.27% | 0.38% | 0.12% | -1.34% | -4.99% | -471 bps | |
| Return on Equity | 1.58% | -0.34% | -1.00% | -2.45% | 3.32% | 1.00% | -12.43% | -52.75% | -5,029 bps | |
| Net Interest Margin | 3.81% | 3.71% | 4.13% | 4.10% | 4.23% | 4.66% | 4.78% | 5.14% | +104 bps | |
| Efficiency Ratio | 86.51% | 93.46% | 96.90% | 102.64% | 91.28% | 83.37% | 104.34% | 119.50% | +1,686 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.40% | -4.59% | -5.95% | -1.38% | -2.30% | -6.58% | -1.07% | -6.56% | -518 bps | |
| Loan Growth (YoY) | -2.86% | -9.63% | -10.34% | -14.40% | -11.82% | -3.77% | 0.85% | -2.04% | +1,236 bps | |
| Share Growth (YoY) | -0.01% | -5.91% | -10.55% | -13.02% | -11.28% | -11.12% | -0.22% | -5.17% | +785 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.88% | 4.43% | 6.05% | 6.89% | 3.46% | 1.10% | 4.83% | 1.16% | -573 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 | 3.00% | 2.88% | 2.52% | 2.67% | 0.95% | 2.32% | 3.65% | 0.37% | -230 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.32% | 10.89% | 11.82% | 11.02% | 11.55% | 11.72% | 10.78% | 9.45% | -156 bps | |
| Net Worth / Assets | 11.32% | 10.89% | 11.82% | 11.02% | 11.55% | 11.72% | 10.78% | 9.45% | -156 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.89% | 44.09% | 48.99% | 40.78% | 42.63% | 47.74% | 49.52% | 42.13% | +134 bps | |
| Liquid Assets / Assets | 47.19% | 50.73% | 43.27% | 47.72% | 46.69% | 46.00% | 46.02% | 57.03% | +932 bps | |