Baton Rouge, LA · Charter 23384
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 | 0.95% | 0.77% | 1.84% | 0.50% | 2.47% | -10.09% | 2.72% | -67.06% | -6,757 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 | 4.89% | 30.22% | -4.47% | 13.55% | 7.18% | -18.19% | 18.39% | +2,286 bps | |
| Loan Growth (YoY) | n/a | 13.61% | 78.19% | 7.65% | 96.25% | 172.67% | -5.15% | 26.64% | +1,899 bps | |
| Share Growth (YoY) | n/a | 5.28% | 31.64% | -7.58% | 11.40% | 14.34% | -19.23% | 18.26% | +2,584 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 5.25% | 35.98% | 11.91% | 5.14% | 10.90% | 54.76% | +1,878 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 | 30.21% | 31.35% | 28.44% | 55.42% | 21.15% | 15.42% | 32.01% | 45.42% | -1,000 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 | 17.38% | 17.35% | 18.61% | 13.91% | 30.61% | 41.38% | 21.86% | 14.90% | +99 bps | |
| Liquid Assets / Assets | 47.70% | 79.60% | 44.65% | 42.90% | 9.21% | 9.86% | 60.59% | 53.27% | +1,037 bps | |