Baton Rouge, LA · Charter 62556
Q1 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.93% | -0.66% | -1.20% | -0.64% | -0.24% | -0.38% | -0.80% | -5.12% | -448 bps | |
| Return on Equity | -8.88% | -5.86% | -10.54% | -5.69% | -2.03% | -3.10% | -6.56% | -42.07% | -3,638 bps | |
| Net Interest Margin | 3.94% | 4.25% | 4.68% | 4.93% | 5.01% | 5.02% | 5.04% | 4.94% | +1 bps | |
| Efficiency Ratio | 99.76% | 99.71% | 97.55% | 84.16% | 90.07% | 96.97% | 102.76% | 124.51% | +4,035 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.23% | 8.41% | -9.22% | -11.54% | -17.68% | -15.44% | -12.67% | -20.40% | -885 bps | |
| Loan Growth (YoY) | -4.97% | -2.59% | -5.96% | -6.64% | -6.55% | -17.47% | -19.17% | -20.64% | -1,399 bps | |
| Share Growth (YoY) | 22.51% | 10.10% | -9.28% | -11.75% | -19.15% | -16.54% | -13.49% | -21.23% | -948 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.89% | 5.03% | 6.20% | 5.72% | 8.50% | 7.91% | 7.41% | 1.54% | -417 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 | 2.28% | 2.15% | 2.30% | 3.34% | 3.28% | 3.65% | 3.28% | 3.92% | +58 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.48% | 11.20% | 11.39% | 11.25% | 11.90% | 12.22% | 12.24% | 12.17% | +92 bps | |
| Net Worth / Assets | 10.48% | 11.20% | 11.39% | 11.25% | 11.90% | 12.22% | 12.24% | 12.17% | +92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.28% | 77.92% | 83.77% | 77.67% | 82.40% | 77.05% | 78.26% | 78.26% | +59 bps | |
| Liquid Assets / Assets | 22.89% | 21.24% | 20.35% | 30.44% | 26.57% | 29.61% | 30.80% | 29.99% | -44 bps | |