Reserve, LA · Charter 3466
Q1 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2004, the quarter ended March 31, 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.
Reserve, LA · Charter 3466
Q1 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 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.02% | 0.00% | 0.00% | -0.83% | -0.60% | -0.48% | -0.86% | -0.73% | +11 bps | |
| Return on Equity | -0.08% | 0.00% | 0.00% | -3.90% | -2.92% | -2.43% | -4.26% | -3.67% | +22 bps | |
| Net Interest Margin | 6.61% | 6.45% | 5.80% | 5.36% | 5.41% | 5.41% | 5.65% | 5.42% | +6 bps | |
| Efficiency Ratio | 87.57% | 86.65% | 87.42% | 107.90% | 97.52% | 94.77% | 93.00% | 109.51% | +161 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.73% | 4.15% | 11.97% | 21.29% | 22.35% | 24.45% | 7.70% | 5.03% | -1,626 bps | |
| Loan Growth (YoY) | 1.00% | -13.98% | -9.91% | -1.86% | 15.13% | 23.70% | 17.33% | 12.85% | +1,471 bps | |
| Share Growth (YoY) | 18.46% | 31.80% | 20.69% | 30.27% | 30.88% | 33.36% | 11.39% | 8.32% | -2,195 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.37% | 5.66% | 5.79% | 3.31% | 2.58% | 4.46% | 3.76% | 5.32% | +202 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 | 1.97% | 2.15% | 1.89% | 1.56% | 1.70% | 1.47% | 2.10% | 1.71% | +16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.52% | 25.05% | 22.80% | 21.42% | 20.56% | 19.76% | 20.30% | 19.75% | -167 bps | |
| Net Worth / Assets | 25.52% | 25.05% | 22.80% | 21.42% | 20.56% | 19.76% | 20.30% | 19.75% | -167 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 111.20% | 104.84% | 95.31% | 90.67% | 97.82% | 97.24% | 100.39% | 94.47% | +379 bps | |
| Liquid Assets / Assets | 14.43% | 17.12% | 23.41% | 25.13% | 19.26% | 18.51% | 17.08% | 20.11% | -502 bps | |