New Orleans, LA · Charter 4813
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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.
New Orleans, LA · Charter 4813
Q1 2010
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 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.14% | 2.13% | 1.81% | -1.67% | -0.45% | 0.70% | -0.34% | -2.97% | -130 bps | |
| Return on Equity | 6.86% | 6.68% | 5.36% | -5.25% | -1.39% | 2.13% | -0.99% | -9.10% | -386 bps | |
| Net Interest Margin | 5.05% | 4.96% | 5.10% | 4.51% | 4.57% | 4.47% | 4.61% | 3.96% | -56 bps | |
| Efficiency Ratio | 58.19% | 58.13% | 65.29% | 80.05% | 81.71% | 70.71% | 92.76% | 158.73% | +7,868 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.42% | 1.01% | -1.58% | -0.11% | -2.86% | -1.36% | -1.53% | -4.14% | -403 bps | |
| Loan Growth (YoY) | -10.10% | -14.42% | -13.97% | -14.32% | -15.33% | -15.67% | -21.17% | -24.03% | -972 bps | |
| Share Growth (YoY) | -3.43% | -1.40% | -4.79% | -1.45% | -4.94% | -3.00% | -2.44% | -5.89% | -444 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.45% | 2.10% | 3.76% | 2.95% | 2.46% | 2.27% | 0.51% | 0.20% | -275 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 | 3.21% | 3.18% | 3.36% | 3.47% | 3.86% | 3.45% | 1.51% | 2.06% | -141 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 31.19% | 31.86% | 33.75% | 31.86% | 32.53% | 32.94% | 33.94% | 32.60% | +74 bps | |
| Net Worth / Assets | 31.19% | 31.86% | 33.75% | 31.86% | 32.53% | 32.94% | 33.94% | 32.60% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.02% | 71.35% | 76.42% | 67.87% | 65.04% | 62.03% | 61.75% | 54.79% | -1,309 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |