Alexandria, LA · Charter 60679
Q4 2006
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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | 0.30% | 0.49% | 0.42% | 0.88% | 0.36% | 0.64% | 0.59% | +17 bps | |
| Return on Equity | 1.47% | 1.60% | 2.44% | 2.09% | 4.44% | 1.85% | 2.78% | 3.01% | +92 bps | |
| Net Interest Margin | 2.93% | 3.09% | 3.39% | 3.36% | 3.57% | 3.41% | 4.06% | 3.43% | +8 bps | |
| Efficiency Ratio | 90.83% | 90.47% | 86.08% | 87.93% | 76.14% | 89.65% | 84.49% | 83.22% | -471 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.64% | 8.41% | 1.11% | 0.18% | -2.52% | -1.45% | -11.60% | 5.63% | +544 bps | |
| Loan Growth (YoY) | 8.93% | 22.76% | 30.95% | 33.49% | 21.32% | 18.30% | 17.71% | 8.66% | -2,483 bps | |
| Share Growth (YoY) | 9.44% | 10.50% | 1.14% | -0.22% | -3.70% | -2.28% | -15.06% | 6.26% | +647 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.64% | 2.31% | 2.02% | 2.30% | 2.54% | 3.88% | 3.47% | 3.81% | +151 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 | 1.61% | 1.49% | 1.34% | 1.30% | 1.26% | 1.49% | 1.41% | 1.48% | +19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.73% | 18.85% | 19.95% | 19.92% | 19.72% | 19.53% | 23.09% | 19.45% | -47 bps | |
| Net Worth / Assets | 18.73% | 18.85% | 19.95% | 19.92% | 19.72% | 19.53% | 23.09% | 19.45% | -47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.56% | 77.43% | 87.53% | 89.70% | 90.15% | 93.73% | 121.31% | 91.72% | +202 bps | |
| Liquid Assets / Assets | 42.13% | 37.16% | 30.16% | 28.25% | 27.94% | 0.00% | 0.00% | 0.00% | -2,825 bps | |