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Opelousas General Hospital

Opelousas, LA · Charter 62806

Q4 1997

$611KAssets
$476KLoans
$502KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 2.35%, down 125 bps year over year.
  • Asset quality: problem loans at 1.39% of loans (-128 bps YoY).
  • Funding: loans stand at 94.85% of shares as of Q4 1997.

Return on Assets (YTD, annualized)

2.35%-125 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets3.77%5.56%1.01%3.61%4.65%1.64%3.24%2.35%-125 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a14.11%6.70%17.46%21.01%n/a
Loan Growth (YoY)n/an/an/an/a-3.77%-15.68%6.10%38.00%n/a
Share Growth (YoY)n/an/an/an/a13.31%9.39%19.97%23.30%n/a
Asset Quality
Delinquent Loans / Loans3.36%1.65%1.60%2.67%2.94%0.64%3.72%1.39%-128 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.77%2.87%3.31%1.04%1.17%1.64%1.73%2.26%+122 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares76.06%85.69%72.31%84.75%64.60%66.05%63.95%94.85%+1,010 bps
Liquid Assets / Assets35.09%11.53%39.45%27.44%31.10%32.19%35.59%6.82%-2,062 bps