New Orleans, LA · Charter 63015
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 | 6.50% | 6.15% | 4.83% | 0.41% | 0.54% | 0.00% | 0.03% | -0.55% | -96 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 0.00% | 0.22% | -5.07% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 2.52% | 2.48% | 2.75% | 2.70% | 2.78% | +27 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 83.73% | 78.83% | 71.24% | 60.60% | 57.38% | -2,635 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.71% | 3.44% | 2.85% | 5.27% | 2.30% | -3.53% | -0.45% | 0.54% | -473 bps | |
| Loan Growth (YoY) | 7.49% | 12.80% | 16.38% | 19.46% | 13.87% | 11.52% | 11.25% | -5.13% | -2,458 bps | |
| Share Growth (YoY) | -7.12% | 2.24% | 2.25% | 4.01% | 1.00% | -4.56% | -1.00% | 2.36% | -165 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.75% | 0.10% | 1.58% | 0.92% | 8.44% | 7.31% | 4.45% | 4.70% | +378 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 | 3.66% | 3.29% | 3.39% | 2.60% | 2.55% | 2.79% | 2.72% | 3.19% | +59 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 12.82% | 12.25% | 10.81% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 12.82% | 12.25% | 10.81% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.67% | 51.30% | 49.84% | 53.55% | 56.00% | 59.95% | 56.01% | 49.63% | -391 bps | |
| Liquid Assets / Assets | 25.10% | 28.52% | 29.22% | 51.98% | 49.87% | 20.06% | 13.84% | 19.07% | -3,292 bps | |