Metairie, LA · Charter 60701
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 | 0.70% | 0.65% | 0.07% | 0.12% | -0.55% | 0.02% | -0.14% | -0.66% | -79 bps | |
| Return on Equity | 6.28% | 5.67% | 0.61% | 1.09% | -5.30% | 0.22% | -1.23% | -6.02% | -711 bps | |
| Net Interest Margin | 3.13% | 3.35% | 2.69% | 2.63% | 2.16% | 2.68% | 2.79% | 2.91% | +28 bps | |
| Efficiency Ratio | 80.95% | 82.20% | 96.33% | 94.52% | 119.18% | 94.28% | 98.78% | 97.71% | +318 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.07% | -9.60% | -6.54% | -3.00% | 5.98% | 2.31% | -0.24% | -3.33% | -32 bps | |
| Loan Growth (YoY) | -15.86% | -21.60% | -22.52% | -21.58% | -14.78% | -9.22% | -10.86% | -8.56% | +1,302 bps | |
| Share Growth (YoY) | -8.33% | -11.07% | -7.43% | -5.55% | 6.85% | 2.69% | -0.38% | -1.02% | +453 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.75% | 4.52% | 9.15% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 3.35% | 2.72% | 2.96% | 3.18% | 4.08% | 4.39% | 3.89% | 5.99% | +281 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.08% | 11.53% | 11.13% | 11.21% | 10.36% | 11.18% | 11.22% | 11.03% | -18 bps | |
| Net Worth / Assets | 11.08% | 11.53% | 11.13% | 11.21% | 10.36% | 11.18% | 11.22% | 11.03% | -18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 29.17% | 27.64% | 26.44% | 26.19% | 23.26% | 24.44% | 23.66% | 24.20% | -199 bps | |
| Liquid Assets / Assets | 12.14% | 9.78% | 16.57% | 72.10% | 74.67% | 0.00% | 0.00% | 0.00% | -7,210 bps | |