Bossier City, LA · Charter 20697
Q2 2005
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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.18% | 2.13% | 1.99% | 1.72% | 1.22% | 1.28% | -0.50% | 0.00% | -172 bps | |
| Return on Equity | 11.35% | 10.65% | 9.68% | 8.19% | 5.79% | 5.92% | -2.42% | 0.00% | -819 bps | |
| Net Interest Margin | 4.18% | 4.18% | 3.95% | 3.80% | 3.71% | 3.75% | 3.12% | 3.66% | -14 bps | |
| Efficiency Ratio | 45.53% | 46.38% | 46.23% | 50.98% | 54.35% | 55.26% | 106.44% | 100.00% | +4,902 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.18% | 2.42% | -0.40% | -4.19% | -2.17% | -1.48% | 2.23% | 1.95% | +614 bps | |
| Loan Growth (YoY) | -2.60% | 2.21% | 5.11% | 3.67% | 5.82% | 2.29% | -2.73% | -2.96% | -663 bps | |
| Share Growth (YoY) | 2.86% | 0.41% | -2.91% | -7.09% | -4.26% | -3.26% | 1.74% | 14.03% | +2,111 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.57% | 3.14% | 2.38% | 2.30% | 1.70% | 1.79% | 1.01% | 0.15% | -215 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 | 1.25% | 1.30% | 1.04% | 1.17% | 1.31% | 1.23% | 1.04% | 0.77% | -40 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.19% | 19.98% | 20.56% | 21.02% | 21.00% | 21.56% | 20.73% | 11.78% | -925 bps | |
| Net Worth / Assets | 19.19% | 19.98% | 20.56% | 21.02% | 21.00% | 21.56% | 20.73% | 11.78% | -925 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.83% | 83.52% | 84.74% | 84.27% | 86.02% | 88.31% | 81.02% | 71.72% | -1,256 bps | |
| Liquid Assets / Assets | 35.48% | 31.27% | 30.33% | 30.84% | 30.01% | 29.21% | 31.27% | 34.53% | +369 bps | |