New Orleans, LA · Charter 21481
Q1 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.40% | 1.17% | 1.03% | 1.25% | 0.84% | 0.58% | 0.56% | 0.87% | -38 bps | |
| Return on Equity | 18.56% | 15.70% | 13.41% | 16.70% | 11.04% | 7.60% | 7.38% | 11.61% | -508 bps | |
| Net Interest Margin | 4.84% | 4.53% | 4.48% | 4.91% | 4.32% | 4.12% | 3.87% | 4.26% | -65 bps | |
| Efficiency Ratio | 74.50% | 76.35% | 77.64% | 64.96% | 72.38% | 77.59% | 79.10% | 74.51% | +955 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.28% | 11.81% | 7.02% | 11.63% | 9.18% | 5.64% | 9.98% | 6.05% | -558 bps | |
| Loan Growth (YoY) | -11.73% | -5.04% | 13.35% | 6.67% | 7.93% | 9.87% | 3.05% | 1.97% | -471 bps | |
| Share Growth (YoY) | 17.97% | 11.02% | 6.06% | 11.55% | 9.02% | 5.44% | 10.12% | 5.99% | -556 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.86% | 2.59% | 2.93% | 1.42% | 1.90% | 2.55% | 2.50% | 2.89% | +147 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 | 1.32% | 1.14% | 0.95% | 0.47% | 0.66% | 0.94% | 0.49% | 0.92% | +44 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.53% | 7.46% | 7.69% | 7.46% | 7.65% | 7.63% | 7.55% | 7.49% | +4 bps | |
| Net Worth / Assets | 7.53% | 7.46% | 7.69% | 7.46% | 7.65% | 7.63% | 7.55% | 7.49% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.44% | 57.68% | 68.34% | 59.55% | 59.83% | 60.10% | 63.95% | 57.29% | -226 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |