Shreveport, LA · Charter 3425
Q2 2004
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 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | 0.74% | 0.72% | 0.68% | 1.13% | 0.95% | 0.55% | -0.38% | -106 bps | |
| Return on Equity | 2.57% | 3.76% | 3.74% | 3.29% | 5.24% | 4.23% | 2.50% | -1.76% | -505 bps | |
| Net Interest Margin | 3.66% | 4.04% | 3.79% | 4.02% | 4.16% | 4.20% | 4.11% | 4.09% | +7 bps | |
| Efficiency Ratio | 87.23% | 81.48% | 82.16% | 84.46% | 75.16% | 76.40% | 82.09% | 79.99% | -448 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.33% | 1.50% | -5.05% | -9.13% | -9.08% | -8.44% | -8.95% | -1.68% | +745 bps | |
| Loan Growth (YoY) | -3.20% | -7.22% | -7.18% | -8.48% | -7.58% | -8.18% | -3.40% | -1.36% | +712 bps | |
| Share Growth (YoY) | 22.19% | 0.63% | -6.75% | -11.92% | -12.64% | -11.53% | -12.26% | -3.55% | +837 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.80% | 1.92% | 1.88% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.38% | 0.44% | 0.46% | 0.46% | 0.46% | 0.04% | 0.04% | 0.72% | +27 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.55% | 19.59% | 19.20% | 20.75% | 21.64% | 22.34% | 21.95% | 21.49% | +74 bps | |
| Net Worth / Assets | 18.55% | 19.59% | 19.20% | 20.75% | 21.64% | 22.34% | 21.95% | 21.49% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.15% | 52.21% | 48.54% | 53.02% | 55.17% | 54.19% | 53.43% | 54.23% | +121 bps | |
| Liquid Assets / Assets | 13.86% | 16.18% | 22.01% | 18.91% | 32.35% | 39.10% | 35.51% | 40.03% | +2,112 bps | |