Shreveport, LA · Charter 19694
Q4 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 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | 0.35% | -0.21% | -0.53% | -1.83% | -4.50% | -3.42% | -3.07% | -254 bps | |
| Return on Equity | n/a | n/a | -0.95% | -2.49% | -8.55% | -25.40% | -18.83% | -15.16% | -1,267 bps | |
| Net Interest Margin | 6.38% | 5.40% | 6.63% | 5.33% | 5.13% | 3.85% | 3.93% | 4.41% | -92 bps | |
| Efficiency Ratio | 97.27% | 94.35% | 95.72% | 108.34% | 121.97% | 144.01% | 140.33% | 134.62% | +2,628 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.21% | 14.62% | -3.73% | -10.26% | -10.13% | -16.59% | -2.11% | -15.21% | -495 bps | |
| Loan Growth (YoY) | 5.87% | -15.44% | -23.08% | -24.65% | -31.65% | -44.02% | -44.15% | -30.65% | -600 bps | |
| Share Growth (YoY) | 4.09% | 19.36% | -4.59% | -12.57% | -10.65% | -15.88% | 2.27% | -13.42% | -85 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.94% | 2.44% | 2.89% | 4.41% | 0.00% | 0.00% | -244 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 | 0.14% | 0.14% | 0.97% | 1.07% | 2.33% | 3.41% | 0.03% | 0.10% | -97 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 22.00% | 21.21% | 21.36% | 17.71% | 18.14% | 20.26% | -95 bps | |
| Net Worth / Assets | n/a | n/a | 22.00% | 21.21% | 21.36% | 17.71% | 18.14% | 20.26% | -95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.27% | 70.40% | 83.74% | 74.08% | 63.69% | 46.85% | 45.74% | 59.33% | -1,474 bps | |
| Liquid Assets / Assets | 25.93% | 30.87% | 30.56% | 38.41% | 3.92% | 57.20% | 58.49% | 44.71% | +630 bps | |