Baton Rouge, LA · Charter 6529
Q3 2015
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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.11% | 0.12% | 0.21% | 0.29% | 0.22% | 0.13% | 0.14% | -1.23% | -151 bps | |
| Return on Equity | -0.79% | 0.84% | 1.61% | 2.26% | 1.79% | 1.06% | 1.17% | -10.14% | -1,240 bps | |
| Net Interest Margin | 2.73% | 2.76% | 2.58% | 2.55% | 2.50% | 2.54% | 2.32% | 2.52% | -3 bps | |
| Efficiency Ratio | 102.93% | 96.95% | 93.40% | 91.17% | 93.01% | 96.05% | 95.60% | 135.53% | +4,435 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.12% | -11.25% | -3.43% | -24.05% | 15.00% | 12.25% | 9.15% | -2.46% | +2,159 bps | |
| Loan Growth (YoY) | -3.50% | 2.84% | -4.45% | -4.78% | -2.55% | -1.92% | -3.50% | -4.84% | -5 bps | |
| Share Growth (YoY) | -7.26% | -12.56% | -3.73% | -26.78% | 17.15% | 13.57% | 9.99% | -1.75% | +2,502 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.12% | 0.58% | 0.37% | 0.65% | 0.82% | 0.24% | 1.35% | 2.11% | +146 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 | 1.19% | 1.24% | 0.76% | 0.77% | 0.79% | 0.69% | 0.72% | 0.65% | -12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.90% | 13.87% | 12.83% | 12.67% | 12.31% | 12.59% | 11.94% | 12.08% | -59 bps | |
| Net Worth / Assets | 13.90% | 13.87% | 12.83% | 12.67% | 12.31% | 12.59% | 11.94% | 12.08% | -59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.31% | 49.45% | 44.18% | 43.64% | 41.85% | 42.70% | 38.76% | 42.27% | -137 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |