Baton Rouge, LA · Charter 61314
Q2 2001
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.46% | 4.93% | 5.03% | 4.77% | 1.22% | 1.53% | 1.97% | 1.57% | -320 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 10.94% | 8.88% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 4.21% | 4.37% | 4.37% | 4.20% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 62.24% | 62.49% | 62.83% | 61.21% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.10% | 12.21% | 12.79% | 11.10% | 9.45% | 4.02% | 0.65% | 3.97% | -713 bps | |
| Loan Growth (YoY) | 18.68% | 17.36% | 11.25% | 0.28% | -6.28% | -10.49% | -14.27% | -8.80% | -909 bps | |
| Share Growth (YoY) | 12.57% | 10.96% | 11.69% | 9.78% | 8.01% | 1.40% | -2.49% | 1.32% | -846 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.29% | 1.04% | 1.74% | 1.43% | 1.54% | 1.08% | 0.88% | 1.05% | -38 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 | 0.42% | 0.59% | 0.73% | 0.79% | 1.02% | 0.91% | 0.96% | 0.97% | +18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 18.03% | 17.73% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 18.03% | 17.73% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.60% | 89.77% | 89.24% | 80.25% | 78.60% | 79.24% | 78.46% | 72.23% | -802 bps | |
| Liquid Assets / Assets | 17.29% | 19.00% | 21.13% | 25.04% | 21.99% | 21.94% | 24.73% | 31.54% | +649 bps | |