New Orleans, LA · Charter 20973
Q1 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.48% | -0.76% | -0.41% | 1.10% | 1.41% | 2.66% | -5.80% | -49.94% | -5,104 bps | |
| Return on Equity | -16.70% | -7.45% | -4.17% | 11.98% | 13.07% | 18.29% | -55.03% | -13486% | -1,349,846 bps | |
| Net Interest Margin | 5.38% | 5.98% | 5.77% | 5.15% | 5.65% | 6.76% | 7.53% | 6.70% | +155 bps | |
| Efficiency Ratio | 88.60% | 85.98% | 83.89% | 83.74% | 81.39% | 80.54% | 87.42% | 115.64% | +3,190 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.56% | -4.54% | -7.12% | -2.43% | -8.78% | -17.71% | -39.24% | -55.22% | -5,279 bps | |
| Loan Growth (YoY) | -22.51% | -21.43% | -18.94% | -16.81% | -11.60% | -7.47% | -28.96% | -33.34% | -1,653 bps | |
| Share Growth (YoY) | -10.12% | -11.75% | -6.82% | -3.35% | -7.53% | -15.13% | -40.17% | -51.37% | -4,802 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.45% | 0.44% | 0.66% | 0.22% | 0.46% | 5.45% | 53.60% | 48.67% | +4,844 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 | 4.06% | 3.47% | 3.27% | 3.47% | 3.88% | 2.24% | 15.97% | 33.81% | +3,034 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.85% | 10.17% | 9.93% | 9.20% | 10.80% | 14.52% | 10.54% | 0.37% | -883 bps | |
| Net Worth / Assets | 8.85% | 10.17% | 9.93% | 9.20% | 10.80% | 14.52% | 10.54% | 0.37% | -883 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.22% | 59.63% | 57.42% | 44.33% | 48.97% | 65.01% | 68.18% | 60.77% | +1,644 bps | |
| Liquid Assets / Assets | 35.68% | 16.66% | 21.06% | 34.35% | 29.16% | 10.68% | 12.23% | 22.44% | -1,191 bps | |