New Orleans, LA · Charter 63148
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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 63148
Q2 2006
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 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.07% | -0.20% | 2.54% | 0.17% | 1.54% | 0.32% | -59.62% | -31.87% | -3,204 bps | |
| Return on Equity | 31.69% | -1.15% | 15.14% | 1.22% | 9.93% | 1.43% | -337% | -175.33% | -17,655 bps | |
| Net Interest Margin | 6.88% | 7.03% | 8.76% | 5.44% | 6.45% | 8.57% | 7.07% | 6.38% | +94 bps | |
| Efficiency Ratio | 50.46% | 97.49% | 63.95% | 91.58% | 73.77% | 93.71% | 168.83% | 150.85% | +5,927 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.27% | -0.47% | -0.37% | 1.92% | 7.36% | -21.26% | -49.70% | -57.68% | -5,960 bps | |
| Loan Growth (YoY) | -8.31% | 5.91% | -0.71% | -0.13% | -12.02% | -44.02% | -57.16% | -70.26% | -7,013 bps | |
| Share Growth (YoY) | -3.72% | -0.86% | -1.94% | 0.12% | 6.91% | -27.98% | -49.95% | -59.34% | -5,945 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 1.79% | 1.16% | 0.27% | 2.11% | 4.44% | 12.16% | 70.17% | +6,990 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 | 1.10% | 0.92% | 1.07% | 0.88% | 1.18% | 1.33% | 41.20% | 48.40% | +4,753 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.01% | 17.55% | 16.78% | 14.29% | 15.51% | 22.56% | 17.71% | 18.17% | +389 bps | |
| Net Worth / Assets | 16.01% | 17.55% | 16.78% | 14.29% | 15.51% | 22.56% | 17.71% | 18.17% | +389 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.45% | 67.12% | 50.34% | 52.78% | 39.87% | 52.17% | 43.08% | 38.61% | -1,417 bps | |
| Liquid Assets / Assets | 18.25% | 23.66% | 58.27% | 29.96% | 54.51% | 59.85% | 78.03% | 0.00% | -2,996 bps | |