New Orleans, LA · Charter 62990
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 2001, 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.
New Orleans, LA · Charter 62990
Q4 2001
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.39% | 3.51% | 1.57% | -0.83% | -3.89% | -2.42% | -0.19% | -477% | -47,641 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | -5.93% | -0.66% | n/a | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 5.80% | 2.52% | 6.60% | 3.36% | 12.08% | +628 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 65.92% | 96.82% | 62.77% | 75.86% | 2988% | +292,254 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -20.59% | -26.59% | -24.79% | -44.86% | -41.42% | -41.89% | -28.00% | -55.23% | -1,036 bps | |
| Loan Growth (YoY) | -2.52% | 2.66% | -2.61% | 11.37% | 6.00% | 12.21% | 26.88% | -24.67% | -3,603 bps | |
| Share Growth (YoY) | -25.37% | -34.23% | -28.88% | -54.81% | -48.25% | -49.70% | -33.12% | 162.82% | +21,763 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.83% | 5.23% | 4.60% | 2.48% | 3.02% | 1.46% | 0.25% | 0.36% | -211 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 | 5.63% | 5.56% | 5.17% | 4.17% | 8.57% | 8.12% | 7.88% | 0.00% | -417 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 40.74% | 28.58% | -406% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 40.74% | 28.58% | -406% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 21.82% | 33.81% | 26.58% | 70.66% | 44.71% | 75.42% | 50.43% | 20.25% | -5,041 bps | |
| Liquid Assets / Assets | 49.52% | 54.74% | 47.37% | 14.80% | 56.29% | 44.32% | 65.44% | 24.05% | +925 bps | |