Franklin, LA · Charter 22766
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Franklin, LA · Charter 22766
Q2 2007
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 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.17% | -2.24% | -0.50% | -0.11% | -0.41% | -3.19% | -3.61% | -3.69% | -358 bps | |
| Return on Equity | -11.00% | -12.26% | -2.81% | -0.61% | -2.32% | -17.17% | -17.49% | -19.61% | -1,900 bps | |
| Net Interest Margin | 5.95% | 5.94% | 5.31% | 5.28% | 5.21% | 6.31% | 5.89% | 4.93% | -34 bps | |
| Efficiency Ratio | 133.64% | 127.32% | 108.86% | 101.92% | 107.44% | 109.97% | 160.15% | 172.33% | +7,041 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.35% | -6.64% | -3.23% | 9.28% | 5.27% | -16.02% | -29.58% | -27.06% | -3,634 bps | |
| Loan Growth (YoY) | -0.31% | 2.84% | -1.43% | 3.38% | -1.93% | 6.26% | -1.24% | -16.25% | -1,963 bps | |
| Share Growth (YoY) | -17.76% | -5.59% | -2.10% | 12.91% | 7.83% | -16.71% | -32.19% | -28.10% | -4,101 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.93% | 4.57% | 4.78% | 5.73% | 10.01% | 4.35% | 14.04% | 33.78% | +2,805 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 | 3.15% | 1.80% | 1.91% | 1.74% | 1.80% | 1.48% | 1.70% | 1.82% | +8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.78% | 18.27% | 17.64% | 17.61% | 17.81% | 18.57% | 20.62% | 18.82% | +121 bps | |
| Net Worth / Assets | 19.78% | 18.27% | 17.64% | 17.61% | 17.81% | 18.57% | 20.62% | 18.82% | +121 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.93% | 61.82% | 55.97% | 61.47% | 60.88% | 78.87% | 81.50% | 71.60% | +1,013 bps | |
| Liquid Assets / Assets | 46.84% | 49.39% | 53.88% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |