New Orleans, LA · Charter 654
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 654
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 | 0.20% | 0.26% | 0.26% | 0.23% | 0.46% | 0.59% | 0.29% | 0.08% | -16 bps | |
| Return on Equity | 1.71% | 2.08% | 2.08% | 1.80% | 3.41% | 4.18% | 1.92% | 0.46% | -134 bps | |
| Net Interest Margin | 2.11% | 2.18% | 2.19% | 2.24% | 2.53% | 2.66% | 2.42% | 2.00% | -24 bps | |
| Efficiency Ratio | 90.53% | 88.44% | 88.20% | 89.81% | 82.08% | 78.15% | 88.22% | 96.24% | +643 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.62% | -0.52% | -1.72% | -3.79% | -8.69% | -7.86% | -11.42% | -18.87% | -1,509 bps | |
| Loan Growth (YoY) | -8.10% | 4.71% | 0.02% | -0.63% | -12.30% | -20.77% | -25.31% | -30.25% | -2,962 bps | |
| Share Growth (YoY) | 1.64% | -0.85% | -1.99% | -4.51% | -10.15% | -9.12% | -13.67% | -21.79% | -1,728 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.95% | 0.40% | 0.43% | 0.02% | 0.00% | 0.00% | 1.63% | 0.60% | +59 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 | 1.25% | 0.58% | 0.64% | 0.62% | 0.67% | 0.76% | 0.90% | 0.86% | +25 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.92% | 12.39% | 12.59% | 12.81% | 13.51% | 14.04% | 14.83% | 16.37% | +356 bps | |
| Net Worth / Assets | 11.92% | 12.39% | 12.59% | 12.81% | 13.51% | 14.04% | 14.83% | 16.37% | +356 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 26.21% | 26.39% | 23.99% | 27.30% | 25.59% | 23.01% | 20.75% | 24.34% | -295 bps | |
| Liquid Assets / Assets | 29.96% | 28.44% | 29.79% | 28.91% | 36.52% | 43.45% | 43.74% | 0.00% | -2,891 bps | |