Lafayette, LA · Charter 62450
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.
Lafayette, LA · Charter 62450
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 | 0.19% | 0.38% | 0.39% | 0.72% | 2.45% | 2.42% | 2.00% | 1.67% | +95 bps | |
| Return on Equity | 2.16% | 4.08% | 3.95% | 6.85% | 22.94% | 20.66% | 16.53% | 13.70% | +685 bps | |
| Net Interest Margin | 4.27% | 4.40% | 4.49% | 4.69% | 4.38% | 4.60% | 4.55% | 4.47% | -22 bps | |
| Efficiency Ratio | 77.03% | 81.50% | 84.05% | 80.21% | 82.19% | 82.43% | 85.20% | 86.25% | +604 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.24% | -2.07% | -6.47% | -8.37% | -5.07% | -6.64% | -2.37% | 0.04% | +840 bps | |
| Loan Growth (YoY) | -7.27% | -8.71% | -8.01% | -3.97% | 0.56% | 0.77% | -2.33% | -0.37% | +360 bps | |
| Share Growth (YoY) | -1.38% | -4.16% | -5.83% | -10.01% | -5.43% | -7.10% | -4.58% | -1.85% | +816 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.32% | 0.94% | 1.38% | 1.18% | 0.73% | 0.64% | 0.60% | 1.02% | -16 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 | 1.51% | 1.38% | 1.51% | 1.48% | 0.96% | 0.73% | 0.57% | 0.62% | -86 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.94% | 9.32% | 9.91% | 10.55% | 10.67% | 11.70% | 12.08% | 12.22% | +167 bps | |
| Net Worth / Assets | 8.94% | 9.32% | 9.91% | 10.55% | 10.67% | 11.70% | 12.08% | 12.22% | +167 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.13% | 68.88% | 72.86% | 73.38% | 70.32% | 74.72% | 74.58% | 74.49% | +110 bps | |
| Liquid Assets / Assets | 14.09% | 19.22% | 14.56% | 14.81% | 15.99% | 0.00% | 0.00% | 0.00% | -1,481 bps | |