Metaire, LA · Charter 63035
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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.
Metaire, LA · Charter 63035
Q2 2014
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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.78% | -0.57% | -1.41% | -1.66% | -1.31% | -1.10% | -2.04% | -2.12% | -46 bps | |
| Return on Equity | -4.31% | -3.13% | -8.04% | -9.42% | -7.17% | -5.74% | -10.94% | -11.65% | -223 bps | |
| Net Interest Margin | 2.25% | 2.25% | 1.81% | 1.99% | 2.00% | 2.11% | 1.79% | 2.27% | +28 bps | |
| Efficiency Ratio | 133.67% | 124.53% | 175.21% | 151.34% | 142.92% | 135.10% | 211% | 189.91% | +3,857 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.80% | -2.28% | -0.67% | -2.35% | -6.21% | -10.50% | -11.84% | -9.25% | -690 bps | |
| Loan Growth (YoY) | -8.15% | -4.87% | -11.60% | -12.45% | -9.89% | -8.18% | -8.91% | -5.27% | +717 bps | |
| Share Growth (YoY) | -4.09% | -2.11% | -0.24% | -1.65% | -6.48% | -11.62% | -13.06% | -9.86% | -822 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.48% | 2.49% | 0.69% | 0.65% | 0.04% | 0.99% | 2.82% | 0.97% | +31 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 | 3.42% | 3.43% | 1.99% | 3.75% | 3.61% | 3.71% | 4.02% | 2.52% | -123 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.08% | 18.13% | 17.54% | 17.68% | 18.31% | 19.16% | 18.69% | 18.23% | +55 bps | |
| Net Worth / Assets | 18.08% | 18.13% | 17.54% | 17.68% | 18.31% | 19.16% | 18.69% | 18.23% | +55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 25.03% | 24.61% | 22.78% | 23.23% | 24.11% | 25.57% | 23.87% | 24.41% | +118 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |