Harvey, LA · Charter 22264
Q3 2003
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 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.68% | -1.25% | -0.62% | -0.13% | -0.12% | 0.51% | 0.19% | -1.01% | -88 bps | |
| Return on Equity | -5.05% | -9.44% | -4.47% | -0.98% | -0.86% | 3.60% | 1.38% | -7.56% | -658 bps | |
| Net Interest Margin | 5.64% | 5.08% | 4.38% | 4.21% | 4.41% | 3.64% | 3.33% | 2.81% | -140 bps | |
| Efficiency Ratio | 106.75% | 113.77% | 87.54% | 82.31% | 83.87% | 82.41% | 92.37% | 96.61% | +1,430 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -28.27% | -29.10% | -29.74% | -11.10% | -13.40% | -6.83% | 2.94% | -3.97% | +713 bps | |
| Loan Growth (YoY) | -37.20% | -45.53% | -31.99% | -30.90% | -25.03% | -14.59% | -32.33% | -36.11% | -521 bps | |
| Share Growth (YoY) | -27.62% | -28.96% | -29.59% | -12.47% | -13.76% | -8.33% | 1.82% | -2.67% | +980 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.35% | 1.17% | 2.71% | 4.34% | 3.86% | 3.26% | 3.23% | 0.23% | -411 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 | 3.37% | 2.72% | 3.15% | 3.70% | 3.44% | 3.10% | 2.10% | 2.53% | -117 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.51% | 13.28% | 13.98% | 13.63% | 14.49% | 14.27% | 13.86% | 13.42% | -21 bps | |
| Net Worth / Assets | 13.51% | 13.28% | 13.98% | 13.63% | 14.49% | 14.27% | 13.86% | 13.42% | -21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.63% | 62.10% | 77.26% | 67.25% | 67.48% | 57.86% | 51.34% | 44.15% | -2,311 bps | |
| Liquid Assets / Assets | 33.43% | 45.03% | 32.71% | 41.72% | 41.84% | 50.76% | 54.88% | 59.40% | +1,768 bps | |