New Iberia, LA · Charter 15665
Q4 1998
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 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.75% | 2.25% | 2.08% | 2.90% | 2.93% | 3.74% | 2.81% | 3.34% | +44 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 | n/a | 4.52% | 4.15% | 3.40% | 4.90% | 9.58% | 12.98% | +883 bps | |
| Loan Growth (YoY) | n/a | n/a | 21.56% | 25.68% | 35.18% | 20.43% | -1.68% | -25.20% | -5,089 bps | |
| Share Growth (YoY) | n/a | n/a | 2.88% | 2.81% | 1.50% | 5.11% | 10.13% | 15.88% | +1,307 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.31% | 4.58% | 2.99% | 2.61% | 0.09% | 0.00% | 0.41% | 0.45% | -216 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 | 1.78% | 1.79% | 1.76% | 1.91% | 2.06% | 2.22% | 2.57% | 3.40% | +149 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 | 101.06% | 117.75% | 133.24% | 129.19% | 134.58% | 134.91% | 118.96% | 83.39% | -4,580 bps | |
| Liquid Assets / Assets | 24.58% | 8.62% | 2.38% | 2.32% | 2.39% | 1.12% | 8.14% | 22.69% | +2,037 bps | |