Metairie, LA · Charter 62527
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 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.
Metairie, LA · Charter 62527
Q1 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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.01% | -0.73% | -0.50% | 0.50% | 0.16% | 0.60% | 0.66% | 1.31% | +81 bps | |
| Return on Equity | 0.02% | -2.18% | -1.50% | 1.46% | 0.49% | 1.79% | 1.79% | 4.08% | +262 bps | |
| Net Interest Margin | 7.65% | 7.52% | 7.15% | 7.70% | 7.08% | 5.64% | 5.11% | 4.09% | -361 bps | |
| Efficiency Ratio | 99.92% | 99.15% | 98.60% | 93.54% | 97.68% | 89.30% | 87.18% | 67.91% | -2,563 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.74% | -13.48% | -13.59% | -3.41% | -1.15% | -0.34% | -7.29% | -18.83% | -1,542 bps | |
| Loan Growth (YoY) | -7.05% | -12.38% | -7.40% | -6.28% | -10.35% | -11.24% | -20.70% | -37.27% | -3,099 bps | |
| Share Growth (YoY) | -16.64% | -16.84% | -17.79% | -4.60% | -0.72% | -0.82% | -11.79% | -16.31% | -1,171 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.46% | 8.10% | 4.49% | 4.03% | 3.80% | 6.86% | 44.43% | 0.00% | -403 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 | 1.05% | 2.30% | 1.80% | 1.95% | 2.43% | 3.19% | 1.97% | 0.24% | -171 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 33.72% | 33.54% | 33.35% | 34.04% | 33.26% | 33.72% | 36.62% | 32.18% | -185 bps | |
| Net Worth / Assets | 33.72% | 33.54% | 33.35% | 34.04% | 33.26% | 33.72% | 36.62% | 32.18% | -185 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 113.84% | 111.64% | 112.45% | 111.86% | 102.80% | 99.91% | 101.09% | 83.84% | -2,802 bps | |
| Liquid Assets / Assets | 24.60% | 26.93% | 26.30% | 27.14% | 32.61% | 14.45% | 37.03% | 15.70% | -1,143 bps | |