New Orleans, LA · Charter 21320
Q2 2006
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 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.29% | 1.84% | 1.78% | 1.67% | 1.98% | 3.20% | 1.46% | 2.16% | +49 bps | |
| Return on Equity | 5.72% | 4.60% | 4.57% | 4.27% | 5.09% | 8.01% | 3.50% | 4.83% | +56 bps | |
| Net Interest Margin | 8.11% | 8.29% | 8.70% | 8.48% | 7.77% | 8.35% | 6.86% | 6.76% | -172 bps | |
| Efficiency Ratio | 56.62% | 64.81% | 80.01% | 79.59% | 74.28% | 71.17% | 78.76% | 68.43% | -1,117 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.68% | 6.70% | 9.13% | 6.03% | 7.22% | 8.80% | 0.92% | -4.78% | -1,081 bps | |
| Loan Growth (YoY) | 14.79% | 8.86% | 14.24% | -4.27% | -1.99% | -15.33% | -21.90% | -19.09% | -1,482 bps | |
| Share Growth (YoY) | -2.82% | 7.99% | 13.48% | 9.33% | 9.15% | 8.85% | -3.83% | -13.62% | -2,295 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.77% | 0.78% | 1.67% | 1.54% | 0.85% | 4.26% | 9.55% | +788 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 | 3.41% | 3.30% | 3.40% | 3.87% | 3.64% | 3.90% | 4.35% | 4.78% | +91 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 40.02% | 39.93% | 38.81% | 39.04% | 38.94% | 39.90% | 41.70% | 44.69% | +566 bps | |
| Net Worth / Assets | 40.02% | 39.93% | 38.81% | 39.04% | 38.94% | 39.90% | 41.70% | 44.69% | +566 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.07% | 89.26% | 81.75% | 71.80% | 74.59% | 69.43% | 66.39% | 67.25% | -455 bps | |
| Liquid Assets / Assets | 49.37% | 46.09% | 35.58% | 56.55% | 53.82% | 34.09% | 61.52% | 0.00% | -5,655 bps | |