Mansfield, LA · Charter 15746
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 2002, 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.
Mansfield, LA · Charter 15746
Q2 2002
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.96% | 2.51% | 0.62% | 0.30% | -0.02% | -5.89% | -3.32% | -0.64% | -94 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -0.11% | -48.69% | -21.13% | -6.77% | n/a | |
| Net Interest Margin | n/a | n/a | 5.69% | 6.85% | 6.16% | 6.45% | 6.23% | 4.55% | -230 bps | |
| Efficiency Ratio | n/a | n/a | 90.35% | 95.96% | 100.23% | 115.25% | 111.74% | 111.99% | +1,603 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.28% | 7.79% | 9.81% | 3.30% | -3.47% | -5.81% | -6.57% | -6.79% | -1,009 bps | |
| Loan Growth (YoY) | 7.22% | -4.83% | -9.50% | -27.39% | -2.18% | 11.93% | -5.28% | 1.46% | +2,886 bps | |
| Share Growth (YoY) | 1.56% | 5.15% | 7.91% | 1.50% | -4.77% | -3.87% | -3.90% | -0.59% | -209 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.25% | 1.85% | 10.60% | 12.14% | 7.59% | 16.66% | 13.49% | 12.30% | +15 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 | 3.29% | 3.42% | 3.25% | 3.75% | 2.02% | 6.41% | 6.41% | 11.84% | +810 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 15.02% | 12.10% | 15.72% | 9.39% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 15.02% | 12.10% | 15.72% | 9.39% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.79% | 55.40% | 61.34% | 53.48% | 70.66% | 64.51% | 60.46% | 54.58% | +110 bps | |
| Liquid Assets / Assets | 28.41% | 32.94% | 18.71% | 18.60% | 38.41% | 44.54% | 48.76% | 53.82% | +3,522 bps | |