New Orleans, LA · Charter 64534
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.
New Orleans, LA · Charter 64534
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 | 0.24% | 0.42% | 0.61% | 0.43% | 0.40% | 0.59% | 0.17% | 0.05% | -38 bps | |
| Return on Equity | 3.18% | 5.50% | 8.12% | 5.53% | 4.99% | 7.17% | 2.11% | 0.68% | -486 bps | |
| Net Interest Margin | 3.32% | 3.30% | 3.20% | 3.25% | 3.30% | 3.30% | 2.89% | 3.00% | -24 bps | |
| Efficiency Ratio | 74.50% | 71.93% | 79.21% | 78.15% | 78.05% | 73.89% | 80.07% | 80.24% | +209 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.39% | 5.07% | 1.60% | 1.08% | -1.25% | -0.26% | 2.51% | 2.05% | +96 bps | |
| Loan Growth (YoY) | -3.11% | -3.87% | -1.33% | 1.20% | 3.85% | 8.12% | 6.83% | 6.32% | +512 bps | |
| Share Growth (YoY) | 4.28% | 5.09% | 0.76% | 0.27% | -2.06% | -4.16% | -0.72% | -0.89% | -116 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.17% | 1.36% | 1.13% | 0.67% | 0.71% | 1.06% | 1.16% | 0.90% | +22 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 | 0.62% | 0.60% | 0.52% | 0.55% | 0.54% | 0.53% | 0.53% | 0.51% | -4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.41% | 7.59% | 7.56% | 7.77% | 8.05% | 8.20% | 7.82% | 8.00% | +23 bps | |
| Net Worth / Assets | 7.41% | 7.59% | 7.56% | 7.77% | 8.05% | 8.20% | 7.82% | 8.00% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.30% | 88.24% | 86.44% | 90.78% | 94.68% | 99.54% | 93.02% | 97.38% | +660 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |