Shreveport, LA · Charter 60795
Q4 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2003, the quarter ended December 31, 2003, 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.
Shreveport, LA · Charter 60795
Q4 2003
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 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.30% | -0.12% | -0.02% | 0.24% | -0.13% | 0.17% | 0.39% | 0.67% | +43 bps | |
| Return on Equity | 2.74% | -1.14% | -0.16% | 2.32% | -1.32% | 1.73% | 3.87% | 6.39% | +407 bps | |
| Net Interest Margin | 3.77% | 3.75% | 3.71% | 3.63% | 3.31% | 3.51% | 3.60% | 3.82% | +19 bps | |
| Efficiency Ratio | 89.97% | 95.98% | 93.84% | 88.16% | 94.69% | 92.24% | 89.01% | 80.30% | -785 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.90% | 8.52% | 13.37% | 12.04% | 10.69% | 7.35% | 8.69% | 6.14% | -590 bps | |
| Loan Growth (YoY) | -2.19% | -2.38% | 0.56% | 0.36% | 4.60% | 10.92% | 9.17% | 11.69% | +1,133 bps | |
| Share Growth (YoY) | 5.61% | 9.18% | 14.96% | 13.48% | 12.13% | 7.74% | 8.97% | 6.05% | -742 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.21% | 0.78% | 1.19% | 1.15% | 0.65% | 0.91% | 1.04% | 1.60% | +46 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 | 0.70% | 0.61% | 0.55% | 0.65% | 0.60% | 0.53% | 0.51% | 0.66% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.12% | 10.50% | 10.43% | 10.56% | 9.97% | 10.06% | 10.04% | 10.53% | -3 bps | |
| Net Worth / Assets | 11.12% | 10.50% | 10.43% | 10.56% | 9.97% | 10.06% | 10.04% | 10.53% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.21% | 60.64% | 61.46% | 59.93% | 58.03% | 62.43% | 61.58% | 63.12% | +319 bps | |
| Liquid Assets / Assets | 29.67% | 29.78% | 24.61% | 24.15% | 35.07% | 31.23% | 24.33% | 14.42% | -973 bps | |