Monroe, LA · Charter 19504
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 2003, 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.
Monroe, LA · Charter 19504
Q3 2003
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 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 1.04% | 1.24% | 1.22% | 1.23% | 1.06% | 0.61% | 0.16% | -106 bps | |
| Return on Equity | 7.68% | 8.83% | 10.54% | 10.59% | 10.75% | 9.41% | 6.07% | 1.68% | -891 bps | |
| Net Interest Margin | 1.41% | 1.64% | 1.67% | 1.58% | 1.54% | 1.53% | 0.95% | 0.49% | -109 bps | |
| Efficiency Ratio | 18.87% | 14.76% | 14.31% | 14.12% | 13.50% | 15.53% | 21.67% | 41.33% | +2,721 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.45% | 21.47% | 24.20% | 23.82% | 21.29% | 17.44% | 16.07% | 13.16% | -1,067 bps | |
| Loan Growth (YoY) | 0.13% | 1.19% | -2.79% | -3.37% | -4.37% | -8.91% | -11.24% | -13.37% | -1,000 bps | |
| Share Growth (YoY) | 16.92% | 24.20% | 27.12% | 26.41% | 22.93% | 18.35% | 18.61% | 16.87% | -954 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.37% | 0.42% | 0.33% | 0.47% | 0.55% | 0.26% | 0.48% | 0.92% | +45 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 | 0.43% | 0.60% | 0.57% | 0.59% | 0.55% | 0.52% | 0.55% | 0.54% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.40% | 11.79% | 11.75% | 11.56% | 11.46% | 11.27% | 10.08% | 9.71% | -184 bps | |
| Net Worth / Assets | 12.40% | 11.79% | 11.75% | 11.56% | 11.46% | 11.27% | 10.08% | 9.71% | -184 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.49% | 48.08% | 45.45% | 43.02% | 40.05% | 37.00% | 34.01% | 31.89% | -1,113 bps | |
| Liquid Assets / Assets | 31.61% | 24.18% | 25.23% | 13.81% | 16.81% | 17.57% | 20.02% | 20.39% | +658 bps | |