Houma, LA · Charter 21670
Q4 2000
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 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.01% | 4.04% | 3.37% | 4.05% | 3.11% | -0.28% | -2.61% | -0.51% | -457 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -2.28% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 8.52% | 7.89% | 8.57% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 89.59% | 84.94% | 81.63% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.64% | 1.33% | -1.81% | -15.34% | -7.19% | -10.20% | -18.53% | -14.24% | +109 bps | |
| Loan Growth (YoY) | -7.60% | 5.80% | 8.43% | 4.17% | -23.23% | -21.54% | -23.55% | -28.14% | -3,231 bps | |
| Share Growth (YoY) | -3.10% | -0.95% | -4.54% | -20.06% | -9.44% | -12.99% | -21.28% | -16.90% | +316 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.23% | 3.50% | 1.72% | 5.12% | 7.87% | 8.28% | 11.64% | 11.66% | +654 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 | 2.33% | 2.54% | 1.44% | 1.52% | 0.52% | 1.88% | 4.81% | 5.56% | +405 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 22.44% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 22.44% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.62% | 109.00% | 97.52% | 111.72% | 85.31% | 98.28% | 94.71% | 96.60% | -1,512 bps | |
| Liquid Assets / Assets | 15.80% | 9.57% | 16.33% | 7.60% | 28.19% | 0.00% | 23.14% | 26.31% | +1,871 bps | |