Shreveport, LA · Charter 3425
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 2004, 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.
Shreveport, LA · Charter 3425
Q2 2004
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.68% | 1.13% | 0.95% | 0.55% | -0.38% | -106 bps | |
| Return on Equity | 3.29% | 5.24% | 4.23% | 2.50% | -1.76% | -505 bps | |
| Net Interest Margin | 4.02% | 4.16% | 4.20% | 4.11% | 4.09% | +7 bps | |
| Efficiency Ratio | 84.46% | 75.16% | 76.40% | 82.09% | 79.99% | -448 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.13% | -9.08% | -8.44% | -8.95% | -1.68% | +745 bps | |
| Loan Growth (YoY) | -8.48% | -7.58% | -8.18% | -3.40% | -1.36% | +712 bps | |
| Share Growth (YoY) | -11.92% | -12.64% | -11.53% | -12.26% | -3.55% | +837 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.21% | 3.01% | 1.74% | 0.69% | 0.52% | -170 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.46% | 0.46% | 0.04% | 0.04% | 0.72% | +27 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.75% | 21.64% | 22.34% | 21.95% | 21.49% | +74 bps | |
| Net Worth / Assets | 20.75% | 21.64% | 22.34% | 21.95% | 21.49% | +74 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.02% | 55.17% | 54.19% | 53.43% | 54.23% | +121 bps | |
| Liquid Assets / Assets | 18.91% | 32.35% | 39.10% | 35.51% | 40.03% | +2,112 bps | |