Baton Rouge, LA · Charter 61608
Q2 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.19% | 0.14% | 0.12% | 0.06% | 0.01% | -0.14% | -0.64% | -1.02% | -107 bps | |
| Return on Equity | 1.14% | 0.86% | 0.77% | 0.40% | 0.06% | -0.91% | -4.33% | -6.65% | -705 bps | |
| Net Interest Margin | 2.51% | 2.44% | 2.11% | 2.00% | 2.03% | 2.04% | 2.01% | 1.97% | -3 bps | |
| Efficiency Ratio | 92.61% | 94.30% | 94.40% | 97.08% | 99.56% | 106.89% | 131.79% | 142.07% | +4,499 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.52% | -1.67% | -1.56% | 10.60% | 5.56% | 3.14% | 1.32% | -8.50% | -1,910 bps | |
| Loan Growth (YoY) | -6.30% | -5.24% | -5.57% | -12.23% | -2.34% | -2.38% | -2.61% | -4.76% | +747 bps | |
| Share Growth (YoY) | -2.91% | -1.91% | -1.78% | 12.70% | 6.68% | 4.06% | 2.12% | -9.12% | -2,183 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.44% | 1.44% | 1.41% | 0.15% | 0.76% | 0.60% | 0.00% | -141 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 | 1.69% | 1.70% | 1.72% | 1.76% | 1.06% | 0.19% | 0.19% | 0.42% | -134 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.25% | 16.15% | 15.37% | 14.66% | 15.32% | 15.43% | 14.75% | 15.29% | +63 bps | |
| Net Worth / Assets | 16.25% | 16.15% | 15.37% | 14.66% | 15.32% | 15.43% | 14.75% | 15.29% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 29.57% | 29.29% | 27.22% | 25.22% | 27.07% | 27.47% | 25.96% | 26.43% | +121 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |