Amite, LA · Charter 60362
Q2 2013
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 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | 0.02% | 0.79% | 1.09% | 0.68% | 0.00% | 1.12% | 1.11% | +2 bps | |
| Return on Equity | 3.55% | 0.12% | 4.51% | 6.35% | 3.97% | 0.00% | 6.65% | 6.33% | -2 bps | |
| Net Interest Margin | 5.04% | 3.79% | 4.40% | 4.31% | 4.44% | 3.41% | 4.76% | 4.67% | +35 bps | |
| Efficiency Ratio | 86.18% | 99.44% | 81.96% | 74.75% | 84.69% | 99.99% | 76.42% | 76.41% | +166 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.21% | 11.69% | 19.38% | 20.03% | 15.80% | 10.07% | 4.94% | -1.81% | -2,184 bps | |
| Loan Growth (YoY) | 0.22% | -2.02% | 4.82% | 4.34% | 11.65% | 4.52% | -6.76% | -25.50% | -2,984 bps | |
| Share Growth (YoY) | 5.84% | 14.59% | 24.65% | 25.31% | 19.54% | 12.35% | 5.93% | -1.95% | -2,726 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 9.13% | 0.04% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 2.53% | 2.40% | 2.37% | 2.40% | 2.27% | 2.30% | 2.55% | 3.22% | +82 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.66% | 18.03% | 17.62% | 17.17% | 17.12% | 16.37% | 16.88% | 17.47% | +30 bps | |
| Net Worth / Assets | 19.66% | 18.03% | 17.62% | 17.17% | 17.12% | 16.37% | 16.88% | 17.47% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.58% | 80.25% | 76.99% | 72.46% | 76.20% | 74.66% | 67.77% | 55.06% | -1,741 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |