Napoleonville, LA · Charter 21542
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.31% | 3.01% | 3.11% | 3.16% | 3.33% | 5.25% | 5.26% | -1.80% | -496 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | -5.20% | -2.90% | -2.30% | -2.47% | 0.58% | -5.60% | -9.47% | -718 bps | |
| Loan Growth (YoY) | n/a | -6.96% | -2.54% | -4.15% | 15.22% | 15.10% | -1.30% | 3.82% | +797 bps | |
| Share Growth (YoY) | n/a | -7.71% | -7.75% | -2.77% | -3.36% | -0.51% | -6.30% | -12.01% | -924 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.57% | 2.81% | 9.23% | 5.73% | 15.81% | 11.71% | 16.08% | 15.65% | +992 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 | 6.61% | 4.67% | 4.40% | 4.84% | 4.41% | 4.71% | 5.18% | 9.57% | +473 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.82% | 40.40% | 41.74% | 36.92% | 48.66% | 46.73% | 43.96% | 43.56% | +664 bps | |
| Liquid Assets / Assets | 63.97% | 3.89% | 36.20% | 58.46% | 54.25% | 51.01% | 57.71% | 60.86% | +240 bps | |