Metairie, LA · Charter 60701
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 31, 2006, 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.
Metairie, LA · Charter 60701
Q4 2006
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.12% | -0.55% | 0.02% | -0.14% | -0.66% | -79 bps | |
| Return on Equity | 1.09% | -5.30% | 0.22% | -1.23% | -6.02% | -711 bps | |
| Net Interest Margin | 2.63% | 2.16% | 2.68% | 2.79% | 2.91% | +28 bps | |
| Efficiency Ratio | 94.52% | 119.18% | 94.28% | 98.78% | 97.71% | +318 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.00% | 5.98% | 2.31% | -0.24% | -3.33% | -32 bps | |
| Loan Growth (YoY) | -21.58% | -14.78% | -9.22% | -10.86% | -8.56% | +1,302 bps | |
| Share Growth (YoY) | -5.55% | 6.85% | 2.69% | -0.38% | -1.02% | +453 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.96% | 15.77% | 7.73% | 8.16% | 5.16% | -179 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.18% | 4.08% | 4.39% | 3.89% | 5.99% | +281 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.21% | 10.36% | 11.18% | 11.22% | 11.03% | -18 bps | |
| Net Worth / Assets | 11.21% | 10.36% | 11.18% | 11.22% | 11.03% | -18 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 26.19% | 23.26% | 24.44% | 23.66% | 24.20% | -199 bps | |
| Liquid Assets / Assets | 72.10% | 74.67% | 0.00% | 0.00% | 0.00% | -7,210 bps | |